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MISL’s stance in support of the ABI pledges from 7th April 2020 to 30th April 2021
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MISL’s stance following the withdrawal of the ABI pledges with effect from 30th April 2021
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Change in Occupation
You were not required to update the policy where a customer had been made unemployed or came back into employment as a key worker, we only asked that the customer gets back in touch again if their circumstances change. We also asked that you set a diary entry to contact the customer after the Government lockdown guidelines were relaxed or at renewal, and to keep us informed then.
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Change in Occupation
We now expect the customer’s employment status and occupation to be up to date on the policy record. Therefore, we would ask that you confirm this with them at the first available opportunity, for example, if they contact you mid-term, and if not, this should be confirmed at renewal.
Whilst we will not void an existing customer’s policy as a result of their occupation details being incorrect following a change in circumstance as a result of the pandemic, we do expect policies to be updated with the correct information at the next renewal, after which time incorrect details could affect their cover.
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Vehicle use
If your customer needed to use their vehicle to;
- Drive to work, rather than using public transport
- travel between work locations if a key worker
- Travel or undertake voluntary work, thus resulting in increased mileage
- Volunteer and support the community
- Make food deliveries which were related to their core occupation
We confirmed that you did not need to inform us and that their cover would remain unaffected during the Government lockdown. We advised this guidance would be reviewed once restrictions were relaxed.
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Vehicle use
If the customer’s driving activities have changed as a result of the pandemic we now expect details of their vehicle use to be updated on the policy record. Therefore, we would ask that you confirm this with them at the first available opportunity, for example, if they contact you mid-term, and if not, this should be confirmed at renewal. Particularly if they are looking to continue to do any of the following, which they did not previously have cover for:
- Use their vehicle to drive to work, rather than using public transport
- Drive to different locations for work purposes
- Drive more miles than declared, as a result of voluntary work
- Use their vehicle to make deliveries
Whilst we will not void an existing customer’s policy as a result of their vehicle use being incorrect following a change in circumstance as a result of the pandemic, we do expect policies to be updated with the correct information at the next renewal, after which time incorrect details could affect their cover.
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Customers in the European Union who may be unable to get home
We extended cover for customers under all sections of their policy as shown in their schedule, whilst they were within the European Union or any other permitted country described in their Policy Wording until the end of the lockdown. You were not required to contact us to update their policy or extend their cover.
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Vehicle Use Abroad
All customers should now have been able to return home, and as such should a customer now be looking to use their vehicle abroad we require you to notify us of any use the customer is looking to make which is outside of their standard policy cover, as they may be required to pay an additional premium. If you do have anyone who remains abroad as a result of the pandemic, please contact us separately.
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What happens if customers are unable to provide proof of No Claims Bonus and Driving Licence details? What should we do?
We asked you to continue to request and validate documentation, where received, for NCB proof and Driving Licence information whilst the Government lockdown guidelines remain in place. However, during this period we confirmed that you did not have to chase or cancel if documentation was not received, and asked that you followed up any outstanding documents once the lockdown was over. We confirmed that we would also be collecting these documents in the event of any claim and that customers would be required to pay any difference in premium due, if discrepancies in the details provided were identified.
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Document Collection and Validation
We would now ask that you return to your ‘business as usual’ activities, as they were prior to the pandemic. Therefore, we would ask you to continue to request and validate any documentation that you were required to collect prior to the pandemic, for example NCB proof and Driving Licences, and would also ask that you chase and cancel if the documentation is not received within the timelines you followed to prior to the pandemic.
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