Coronavirus (COVID-19) update

Last updated: 2nd April 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.

Cash or car?

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Some employers offer the option of a higher salary for you to buy your own car, instead of running one provided by the company. So what are the pros and cons of taking the money?

  • You’ll have a much wider choice of cars, without any restrictions from the company.
  • As the car you buy is registered in your name, you won’t have to pay company car tax, although you will of course pay income tax on the higher salary.
  • If you want to run a car that has high carbon dioxide emissions, you’ll certainly be escaping a hefty company car tax bill.
  • Remember that running your own car means picking up the bill not just on the initial purchase price and expected depreciation but also insurance, road tax, fuel, servicing and consumables, such as tyres.
  • Balance the costs of, firstly, how much you’d pay in company car tax on the car you want, secondly, how much more the higher salary is worth after tax, and, thirdly, how much your own car will cost to run. This should reveal which is the best option for you.
  • To take the hard work out of the sums, try an online calculator, such as www.math.com/students/calculators/source/basic.htm.