Coronavirus, Brexit and you: 5 ways they’re impacting you and your vehicle

1. Delayed motor parts arriving in the UK 

In lockdown 1.0, McClarrons’ claims handlers saw both windscreen and vehicle repairs delayed due to parts taking longer to arrive in the UK. In particular, Jaguar & Land Rover claims were impacted heavily, with a shortfall of imported parts due to the Chinese production plant being closed for approximately 3 months prior to the UK lockdown.

It is considered the norm for dealerships to order car parts on an ‘as needed’ basis, with many parts imported from manufacturers based overseas; this opposed to there being a stock room of parts readily available in the UK. The supply chain disruptions caused by both Covid-19 and Brexit have meant that some garages are experiencing delays with parts arriving on-site and as such, some vehicle repairs are taking slightly taking longer than usual[1].

It appears that, as we settle into lockdown 3.0, this may be happening again – Honda have announced that they are pausing their production at their Swindon plant due to a shortfall of parts. BBC News advised that “congestion at UK container ports has been building up in recent weeks, causing problems initially at Felixstowe, but recently at Southampton and London Gateway as well… Congestion at England’s ports is now so bad that some shipping firms have limited the amount of cargo they will bring to the UK”[2]. We expect further delays to be likely as a result of the UK border disruptions, which are increasing the time it takes for parts to arrive from overseas.

To assist our clients during these times, our Claims Team will ensure regular communications between you, your insurance provider, and the appointed garage to ensure that you are kept updated on the progress of your parts arriving onsite, and your vehicle repairs.  

2. Getting your MOT

It has been announced that MOT testing centres will remain open during lockdown 3.0, unlike lockdown 1.0; as such, a further MOT extension appears unlikely at this point. The MOT exemption ended in August 2020 and vehicles are now required to have an up-to-date test certificate in place.

We advise you to think ahead and book your MOT earlier than normal as garages may have a restricted capacity as they operate a Covid-19 secure business, which could mean you experience a longer wait time to book your vehicle in.

We would like to take this opportunity to remind you that it is illegal to travel without a valid MOT certificate under Section 47 of the Road Traffic Act 1988. Should you not have one, you could receive a fine and penalty points on your license.

3. Reporting a new motor claim

A drop in car journeys during lockdown resulted in a significant fall in claims during Q2 2020, according to the Association of British Insurers (ABI). The figures show that there were 324,000 new claims in the second quarter of the year, a fall of 48% on the 678,000 received in the previous quarter; largely reflecting the UK’s lockdown period[3].

While McClarrons has seen fewer motor claims, please remember that all incidents, no matter how minor, that could give rise to a claim should be reported to us in a timely manner.

Our Claims Team have however received numerous third-party allegations, meaning that we were not notified of the incident at the time it happened. If a claim is not reported in a timely manner, you may run the risk of prejudicing an insurer’s position, which could result in the claim being declined.

If you are unsure whether the incident should be reported, please call our claims team on 01653 697055 and they will be happy to assist you.

4. Green Cards

As of 1st January 2021, you will require a Green Card for each vehicle or trailer while travelling abroad to prove that you have insurance in place that meets the EU standards. If you need a Green Card, please contact us as soon as possible so that we can arrange this for you.

For more information, please click here.

5. Travelling in lockdown

As we’ve all noticed, there are considerably less of us on the road due to lockdown restrictions and Government advice, and so please remember that when you are on the road again, both yourself and other drivers may be ‘rusty’ and to drive with extra caution.

The lack of vehicle usage and cold temperatures may also affect your car battery’s ability to hold a charge, particularly if your battery is more than 3 years old. The RAC recommend that if your car is only doing short trips, you should re-charge your battery at least once per week[4]. Please also remember to complete sufficient vehicle checks before you embark on a journey.

[1] https://www.bbc.co.uk/news/uk-england-51974742

[2] https://www.bbc.co.uk/news/uk-england-wiltshire-55550229

[3] https://www.abi.org.uk/news/news-articles/2020/09/motor-claims-fell-significantly-in-q2/?timeout=s    

[4] https://www.rac.co.uk/drive/advice/how-to/getting-started-in-the-cold/#:~:text=Cold%20temperatures%20affect%20the%20chemical,ability%20to%20hold%20a%20charge

More Stories