Your latest Coronavirus (COVID-19) updates

This article will be regularly updated with new information regarding the impact of Coronavirus (COVID-19) on Aviva insurance policies and how we're supporting you and your business during this difficult time. 

Update: Homeworking webinars available on demand now (14 Apr)

To provide you with advice and some handy tips to overcome the challenges of homeworking and maximise the opportunity, we recently hosted two webinars, both of which are available on demand now via the watch again links below. You can find more information about each webinar here

Update: Approach to Renewals – Commercial Lines (9 Apr)

Our priority is to continue to maintain a business as usual approach and avoid driving further uncertainty for you and your clients.

We recognise that the timely notification of renewal terms is more important than ever. That’s why we’ve prioritised renewals to provide much longer lead times for you to conclude renewals with your clients. 

If there remain circumstances where you're still unable to conclude your clients' renewal, please speak to your local underwriter so we can agree a suitable extension.

Update: Change in business use (9 Apr)

If your client notifies you of changes to their business due to the impact of COVID-19 e.g. where they've had to close their restaurant but are now operating as a takeaway or changing manufacturing to support production of ventilators for the NHS, we'll look to offer risk management guidance and support. This will be subject to the existing terms and conditions in their policy.

We’ll also look to be flexible and where possible, not charge any additional premiums.

We’ve seen some fantastic examples of this in action and we’ll wholeheartedly continue to support your clients to trade where we can.

Update: Laid up vehicles – Commercial Lines (9 Apr)

If your clients have taken the decision to register any of their vehicles as off the road (SORN) due to the impacts of COVID-19 - and have formally requested their vehicles to be “laid up” - we'll support your following clients:

Motor fleet clients

We’ll be happy to amend their policy cover to reflect the ‘laid up’ vehicles and provide your clients with an appropriate difference in risk premium. This will apply to policies on both a declaration basis and as and when basis. 

The vehicles will remain “laid up” until your client informs you they wish to place their vehicles back on full cover. At this time, an additional premium would be payable. For policies subject to declaration we will take into account any refund made when we calculate the final year-end declaration adjustment.

Please note, special type and agricultural vehicles are excluded from these arrangements.

Minifleet clients

You’ll be able to amend the policy coverage on Fast Trade. This will provide an appropriate difference in risk premium. The vehicles will remain “laid up” until you revisit Fast Trade and place their vehicles back on full cover. At this time an additional premium would be payable.

Motor trade clients

As we hold additional covers for their business (such as Property insurance) we'll recalculate their premium by removing any vehicles that are notified as off road from their ‘Road Risks’ section and move the exposure to their Property section, ensuring that the Sums Insured adequately reflect the additional exposure. 

As there's no need to insure their vehicle for road use and any potential third-party claims, this will result in a return of premium for your client. Please note, we're only able to offer this option where the SORN vehicle is being stored at their commercial premises. When their vehicles are ready to go back on the road, we’ll increase the cover back to the level they require.

If you have any questions on any of the above, please speak to your local underwriter.

Update: Temporarily Unoccupied Buildings (26 Mar 2020)

Based on your feedback, we’ve updated our position on Temporarily Unoccupied Buildings.

Our cover will now continue to apply to your clients who have followed Government advice to close their premises temporarily for a period of up to 90 consecutive days.

There is therefore no need to immediately notify us that your clients insured premises has closed temporarily due to the COVID-19 outbreak.

Update: Protection when working from home (26 Mar 2020)

To support you and your clients, we’re automatically extending our existing policy cover to provide the same level of protection your business clients currently enjoy so they can carry out their normal business activities at their home and the homes of their employees.

View the full update here.

The impact on insurance policies (13 Mar 2020)

As the number of Coronavirus (COVID-19) cases continue to rise globally and media coverage intensifies, our priority is the safety of our employees, the continuation of business operations and the service we provide to you and your customers. 

We appreciate during this period you’re seeing an increasing number of queries from your customers, so we just wanted to be clear on our position from a business readiness and insurance coverage perspective to help you respond to these

Below details the impact of Coronavirus (COVID-19) across some of the Aviva insurance policies, as well as some helpful support for you and your clients: