Coronavirus (COVID-19) update

Last updated: 27th March 2020

Following the Government’s announcement asking everyone to stay at home, we’re making some changes to the way we work to make sure we’re looking after our people and our customers. We’re setting up as many of our colleagues as possible to work from home, but this will take a few days.

In the short-term, we’re only accepting new business online. That means new customers can’t buy insurance over the phone.

Existing customers: Please don’t phone unless it’s absolutely necessary.

We need to prioritise:

  • Customers who have an urgent claim, for example your car is undrivable following an accident, you are injured, or your home is uninhabitable.
  • Customers who can’t pay now as a result of the Coronavirus pandemic, call us - we want to help you.

If you have questions about your renewal or want to make a change to your policy, you can use our virtual assistant. If your policy is due to renew in the next week and you haven’t opted for auto-renewal, please call us. If you have opted for auto-renewal, please make sure your insurance still meets your needs.

For more information and frequently asked questions about COVID-19, go to our Coronavirus help and support page.

Company car tax calculations

Since April 2002, company car tax has been based not on mileage but on your car’s carbon dioxide emissions. The higher the car’s emissions, the higher its tax liability (usually between 15% and 35%). So, how do you work out what a company car costs you? The easiest way is to use the company car tax calculator on For those of you who want to crunch the numbers yourself, here are the details.

  • Find out your car’s carbon dioxide emissions – stated in grams per kilometre (g/km) – by looking on or at the official website
  • Use the carbon dioxide look-up table to see what tax liability percentage this equates to (see table). Petrol cars are straightforward but, if you have a diesel, you’ll need to know whether it complies with Euro III or the new Euro IV emissions regulations – the latter means you don’t have to pay the 3% diesel surcharge if registered before December 2005.
  • Alternative-fuel cars have lower tax liability than respective petrol cars. For electric cars, deduct 6%. Petrol-electric hybrids incur 2% less tax, plus an extra 1% for every 20g/km of carbon dioxide emissions below 140g/km. LPG and CNG bi-fuel cars offer a 1% saving with a further 1% for every 20g/km of carbon dioxide emissions below 140g/km. Got all that?
  • Work out your car’s P11D price (the list price including any options, but excluding the cost of first registration and road tax).
  • Multiply your tax liability percentage by the car’s P11D price.
  • Now, multiply this by your rate of income tax: 22% (basic) or 40% (higher rate).
  • The resultant figure is your company car tax bill for 2005-6.