We know that many customers are driving their cars less because of lockdown. Your insurance premium is partially based on estimated mileage, so if you’re not on the road as much, it’s only fair you get some money back. We’re on it. If you’re driving less as a result of lockdown and your policy began before August 2020, please use this form to let us know. You may be able to temporarily reduce your weekly mileage for a refund.

I'm driving less

Unfortunately, if your policy started on or after 1 August 2020, then you won't be eligible for a premium refund, so please don’t use the refund form. However, if you still expect to drive fewer miles, then you can contact us to make a permanent change to your estimated annual mileage.

Remember though, even if you’re not driving your car, it’s a legal requirement for your vehicle to be insured, unless it has been registered with a SORN and is declared 'off the road' with the DVLA. You can find more information here: https://www.gov.uk/sorn-statutory-off-road-notification

If you do declare your car off the road and temporarily no longer require cover, we can suspend your policy. Please get in touch if you’d like to do this.

You can see what else we’re doing to help our customers, our colleagues and our communities here: https://www.directline.com/supporting-you

Frequently asked questions

If you need more information, have a look at our lockdown refund FAQs:

We’re offering one refund to cover the duration of lockdown, regardless of when your renewal date is. If you’re due to renew during lockdown, the refund will span both policies.

The refund covers the time your policy was active during lockdown. For example, if it started halfway through lockdown, your refund would be half the amount.

Unfortunately, if your policy started on or after 1 August 2020, then you won't be eligible for a premium refund, so please don’t use the refund form. However, if you still expect to drive fewer miles, then you can contact us to make a permanent change to your estimated annual mileage.

If you pay for your policy annually, we’ll refund to the card or bank account you used to pay for your policy.

If you pay for your policy monthly, we’ll automatically spread the refund over your remaining monthly instalments.

We’ll process your refund within 30 days of your request.

During lockdown, some of our van customers drove less frequently. Please let us know if your mileage decreased from 23 March until 31 July 2020, as this may reduce your premiums and you may be able to get a refund.

Yes, if you used your car less from 23 March to 31 July 2020 and want to change your mileage, please contact us.

The refund is calculated based on the difference between the mileage you gave us when you took out the policy and the mileage you told us you were doing during lockdown from 23 March until 31 July 2020.

No, any change to your mileage as a result of lockdown is temporary, so there’s no need to contact us when lockdown ends.

If your mileage decreased during lockdown from 23 March until 31 July 2020, then you can apply for a refund.

Within 30 days, but we’ll aim to process refunds as quickly as we can. There may be delays due to card processing times, so in some instances it may happen after we’ve sent you confirmation.

You’ll receive a letter confirming your refund amount once it’s been processed by us, you may receive a letter before you receive the money as this depends on card processing times.

Please contact us if you want to permanently reduce your mileage. Any changes to mileage as a result of lockdown are temporary.

The refund covers the whole lockdown period and the reduced mileage you told us about from 23 March until 31 July 2020. There’s no need to contact us now that lockdown has ended as we’ve assumed your mileage will return to normal (therefore your policy has not been permanently amended).

Unfortunately, if your policy started on or after 1 August 2020, then you won't be eligible for a premium refund, so please don’t use the refund form. However, if you still expect to drive fewer miles, then you can contact us to make a permanent change to your estimated annual mileage.

Visit our Coronavirus help and support page for frequently asked questions about COVID-19.