Co-op Young Driver Insurance coronavirus information

Last updated at 4pm on Monday 30 March 2020

Due to the coronavirus (COVID-19) outbreak we’re putting measures in place to protect our colleagues and customers.

Our young driver insurance relies on an engineer installing a black box to your vehicle. Because we can't fit these devices quickly enough at the moment, we are pausing sales of young driver insurance.

We’re focusing on existing customers who need a device fitting. If you’ve already bought a policy you are covered to drive while waiting for an appointment, and we've extended the deadline to arrange the fitting from 14 to 28 days after the policy begins.

If you're a key worker we'll extend this deadline further if you're struggling to arrange an appointment.

Our standard car insurance is not affected.

We’ll continue to monitor the situation closely and will provide updates as soon as we can.

FAQs

Black box fitting

If you are currently waiting for your Black box device to be installed, please be aware that due to restricted numbers of engineers being available at this time we are experiencing significant delays. Please don't worry, the installation window has been extended from 14 days to 28 days from inception to help us to deal with this situation. Contact us on 0333 009 6702^ to discuss your appointment, but pleaseonly call if you are approaching this 28 day limit to help us deal with high priority customers.

Missed appointment charge

If you are a key worker, please do not worry, we will not be issuing charges for missed appointments which are caused due to you needing to work at this time. Please try to help us by rearranging your appointment and allowing at least 24 hours’ notice as we are very limited with engineers at this time.

What if I haven’t got my box fitted yet, am I still insured to drive?

Yes, you are fully insured to drive from the inception date of your policy.  It is a condition of your policy that you have a box installed within 14 days of policy inception, but we are extending this window to 28 days to allow additional time for our engineers to get to you. 

Please be reassured that we will not cancel your policy if you are a key worker for not getting a box fitted. If you are not a key worker, you are still required to have a box installed. Please get in touch if you are having difficulties with this due to our engineer availability and we will look into this for you.

Is it safe for an engineer to fit a box to my car?

Our engineers will only install a box in your car where it is safe to do so. We will, wherever possible, come and fit the box at your home address and we will not ask you to move your car to get the box fitted.

All our engineers will follow social distancing protocols at time of fitting and you will be advised of any specific arrangements at the time your appointment is confirmed.

I am a key worker. What if I need to drive at night more to get to work?

Your policy covers you to drive at night.  There are no curfews on your young driver policy.  The scoring is weighted and driving at night is not the highest weighted factor, so providing you drive safely, ie within the speed limit, brake in good time and take corners carefully, your score should not be affected too much by a short period of extra night time driving. 

However, if you do feel this is not the case, then please get in touch with us and we will review your policy.  

I am an NHS volunteer responder, am I covered to use my car as part of my volunteer work?

As an NHS Volunteer Responder, and this applies if you are volunteering to help your communities during the coronavirus outbreak, you do not need to contact us to update your documents or extend your cover.

If you are using your own car for voluntary purposes to transport medicines or groceries to support others who are impacted by coronavirus, your cover will not be affected. This applies to all categories of NHS Volunteer Responders, including transporting patients, equipment, or other essential supplies.

What do I do about getting a box fitted in my new car?

Due to restricted numbers of engineers being available at this time we are experiencing delays. Please do not worry the installation window has been extended from 14 days to 28 days to help with this. 

We are working hard to prioritise our existing customers who need a device fitting. Don’t worry, you are still covered to drive while you are waiting for an appointment.  

Cancellation

If you want to cancel your policy you should still be able to do this in the usual way, although you may experience slightly longer than usual call hold times due to staff shortages.

Renewal

If your renewal is due, you should still be able to renew in the usual way, although you may experience slightly longer than usual call waiting times due to staff shortages at this time.  We ask that you please bear with us.  As usual if you pay by direct debit and do not need to make any changes to cover, your policy will renew automatically. 

What we're doing to help

As part of our membership of the Association of British Insurers, we've made a pledge to support people affected by the impact of coronavirus.

Our pledge

1. We'll support you if you need to make a claim.

There are plans in place to continue to handle claims calls in these challenging circumstances.

2. We'll support you if you're working from home.

If you have a clerical (office) job and need to work from home due to government advice or to self-isolate, your insurance policy is still valid. You don't need to tell us about this.

3. We'll support you if you can't work from home.

If you need to drive to work instead of getting public transport because of the impact of coronavirus, your insurance policy will still be valid. You don't need to tell us about this.

4. We'll support you if use your car to help your community.

You can use your car for voluntary purposes in any capacity as an NHS volunteer to support people affected by coronavirus. Your cover is not affected and you don't need to tell us about this.

5. We'll support our keyworkers.

If you’re a keyworker and need to drive your own car to different places of work because of the impact of coronavirus, your cover is not affected. You don't need to tell us about this.