Martin Lewis warning to motorists who drive to work due to Covid

The Money Saving Expert said if you don't, you could unwittingly invalidate your car insurance.

And if that happens, you risk a £300 fine.

When you buy car insurance, you're asked how you plan to use the vehicle, including whether you'll commute or use it for social purposes only.

This will influence how much your premium is, as different types of driving carry different risks.

Motorists who now drive to work due to Covid are being warned to check their policies ahead of a rule change

Last March, the Association of British Insurers (ABI) introduced extra support to make it easier for employees to commute during lockdown.

It meant staff members could drive to work without extending their policy, even if it stated that they'd only use the vehicle for social purposes.

However, ABI has now confirmed these temporary measures will end on April 30, following several extensions during lockdown.

It means drivers must check they have the right policy if they're planning to commute by car after this date, if their insurer is an ABI member.

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If your insurer isn't an ABI member, then you still need to check your policy to make sure your insurance covers you for commuting.

If you don't inform your insurer, you could invalidate your policy, meaning that on your commute you're technically driving uninsured.

The consequences of driving without insurance are six points on your licence and a £300 fine.

Meanwhile, most insurers will continue to support drivers using their own cars for voluntary purposes at no additional cost.

Martin Lewis issued the advice in his weekly newsletter

Whether you're covered for commuting or not will depend on the type of insurance you bought, your provider of choice, and your policy wording.

Ryan Fulthorpe, motoring expert at Go Compare, said: "To reflect changes in driving behaviour as commuting and driving between different workplaces starts to pick up, insurers have reviewed their position.

"From May, drivers who insured their car only for social, domestic or pleasure purposes, but following the pandemic now use their car to travel to work, will have to upgrade their cover.

"If a motorist fails to declare that they drive to work, or drive as part of their work, this could invalidate their insurance and, driving without insurance carries severe penalties."

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Martin Lewis has also warned drivers to check if their photo licence needs renewing or risk a similar fine.

Last year, the DVLA automatically extended licences up for renewal.

It said all licences that were due to expire between February 1, 2020 and December 31, 2020 would be granted an 11 month extension.

But that extension started from the day the licence expired, so those that were due for renewal early last year will now have to update their documents.