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Direct Line Partial Refund on their car insurance based on reduced mileage - Application
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Direct Line Partial Refund on their car insurance based on reduced mileage - Application

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Posted 11th May

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Direct line are allowing drivers to apply for a partial refund on their car insurance based on reduced mileage through lock down
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As a result of lockdown, many of our customers are driving less. This means you may be able to temporarily lower your premium by reducing your expected weekly mileage and because we never charge admin fees for policy changes you can do this free of charge. The annual mileage on your policy will remain unchanged.

If you think this applies to you, use this form and let us know.

Please note: For DrivePlus telematics users, you do not need to do anything. We already have your mileage and your premium will be automatically adjusted and refunded if required.

Visit our Coronavirus help and support page for frequently asked questions about COVID-19.
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Top comments
Come on Aviva....
Strange that they are offering this only now that the lockdown is relaxing so fewer people will apply as they will be uncertain if their usage will return to normal soon.
Admiral were much more on the ball and made it nice and easy - £25 per vehicle returned automatically - no questions - no application needed.
SuffolkLad22211/05/2020 12:04

Strange that they are offering this only now that the lockdown is relaxing …Strange that they are offering this only now that the lockdown is relaxing so fewer people will apply as they will be uncertain if their usage will return to normal soon. Admiral were much more on the ball and made it nice and easy - £25 per vehicle returned automatically - no questions - no application needed.


Fixed amount instead of proportional is an odd and not terribly fair way of doing it through.

Still, my car hasn't budged for 6 weeks and Aviva are starting to cheese me off.
Edited by: "EndemicAlarm" 11th May
TangiblePear12/05/2020 04:24

My last MOT was almost a year ago, from BEFORE my current insurance policy …My last MOT was almost a year ago, from BEFORE my current insurance policy started, how exactly are you expecting them to verify how many miles I have driven THIS year during THIS insurance policy from that?What an utterly ridiculous and convoluted argument you just made up.Even if they did everything you just said, which they in no way would. my point would still stand completley.They have no starting point so my current mileage on clock tells them NOTHING. my MOT tells them NOTHING. I could tell them I have driven 0 miles since the start of my policy and they would have no way to "verify" if that was true or not.


I'm not sure why this post is so agressive - the post you are replying to is accurate, in my experience. If you make a claim then insurance companies will check the mileage stated on the last MOT, and depending on the timing of the MOT vs the date of the start of the policy it may prove you've gone over the mileage limit on your policy. If the MOT was long before the start of the policy then it won't prove anything. Sometimes it's not useful to the insurance company but they check anyway just in case.
194 Comments
Come on Aviva....
Thanks. Didn't know this.
"The annual mileage on your policy will remain unchanged"

So what's the point? Is this just for people paying for their cover monthly, based on X miles per month?
terriclarkfan11/05/2020 11:51

"The annual mileage on your policy will remain unchanged"So what's the …"The annual mileage on your policy will remain unchanged"So what's the point? Is this just for people paying for their cover monthly, based on X miles per month?


No its for annual mileage too. There's no harm applying. The worst they can say is no!
If it says 'temporarily lower your premium', doesn't that mean they will want the money back?
Thanks, better than nothing!
karlie8811/05/2020 12:00

If it says 'temporarily lower your premium', doesn't that mean they will …If it says 'temporarily lower your premium', doesn't that mean they will want the money back?


I think it's more that you've paid for mileage that you are not using so for the time of lock down they will lower your premium, but once lock down ends it will return to its normal price
Strange that they are offering this only now that the lockdown is relaxing so fewer people will apply as they will be uncertain if their usage will return to normal soon.
Admiral were much more on the ball and made it nice and easy - £25 per vehicle returned automatically - no questions - no application needed.
Thanks now done. Pretty straight forward online application 🏽 now let’s wait and see what refund they give 😬
dc9111/05/2020 12:03

I think it's more that you've paid for mileage that you are not using so …I think it's more that you've paid for mileage that you are not using so for the time of lock down they will lower your premium, but once lock down ends it will return to its normal price


Thanks.

I was thinking those who paid monthly will have their monthly payments reduced for x months, but any remaining months after that would have the premiums added on.

Or those who paid one-off/annually will get a partial refund but would be expected to pay it back at some point in the future.

Anyway that's my interpretation because the annual mileage remains the same according to the web page and it does say 'temporarily'. Hope I'm wrong. Subbed to the thread to see what people's outcomes are in a few days.
SuffolkLad22211/05/2020 12:04

Strange that they are offering this only now that the lockdown is relaxing …Strange that they are offering this only now that the lockdown is relaxing so fewer people will apply as they will be uncertain if their usage will return to normal soon. Admiral were much more on the ball and made it nice and easy - £25 per vehicle returned automatically - no questions - no application needed.


Fixed amount instead of proportional is an odd and not terribly fair way of doing it through.

Still, my car hasn't budged for 6 weeks and Aviva are starting to cheese me off.
Edited by: "EndemicAlarm" 11th May
EndemicAlarm11/05/2020 12:29

Fixed amount instead of proportional is an odd and not terribly fair way …Fixed amount instead of proportional is an odd and not terribly fair way of doing it through.Still, my car hasn't budged for 6 weeks and Aviva are starting to cheese me off.


Now's the time to start applying pressure to them, with the threat of moving coverage to their competitors. Even a few posts on their Facebook page to that effect might bring about some positive change.

e.g. Dear Aviva - I see that Direct Line are doing their bit for the pandemic by reducing their customers' insurance premiums during the lockdown period. As one of the UK's leading insurance providers can you explain why this isn't a benefit that you have extended to your customers already?

I'm already with Direct Line btw.
Edited by: "Blurigard" 11th May
SuffolkLad22211/05/2020 12:04

Admiral were much more on the ball and made it nice and easy - £25 per …Admiral were much more on the ball and made it nice and easy - £25 per vehicle returned automatically - no questions - no application needed.


Anyone received it yet? Still not had anything except an email.
asters11/05/2020 12:55

Anyone received it yet? Still not had anything except an email.


It says they'll contact within 30 days
Thanks for the info
asters11/05/2020 12:55

Anyone received it yet? Still not had anything except an email.


It says in the email that they'll contact me before the end of May with more details about the refund. I expect this will either confirm the refund or give a date for when it will be given.
I paid in full will they give me something back.. I hope they will..
EndemicAlarm11/05/2020 12:29

Fixed amount instead of proportional is an odd and not terribly fair way …Fixed amount instead of proportional is an odd and not terribly fair way of doing it through.Still, my car hasn't budged for 6 weeks and Aviva are starting to cheese me off.


You're right, it will be proportionally different for for different customers, but is a simplified and cost effective way of doing it. This will be a big part of the reason they are ahead of the game. They are under no obligation to do anything.
adamravat11/05/2020 12:07

Thanks now done. Pretty straight forward online application 🏽 now …Thanks now done. Pretty straight forward online application 🏽 now let’s wait and see what refund they give 😬


Would be good to know what refund / discount you get compared with your premium when you know.
Thanks for the info.
Only seems to work via your link couldn't find it going via their website.
Said they will get back within 30 days.
tynetees11/05/2020 13:19

Thanks for the info.Only seems to work via your link couldn't find it …Thanks for the info.Only seems to work via your link couldn't find it going via their website.Said they will get back within 30 days.


Its hidden away in FAQs... I only happened to stumble across it!
SuffolkLad22211/05/2020 12:04

Strange that they are offering this only now that the lockdown is relaxing …Strange that they are offering this only now that the lockdown is relaxing so fewer people will apply as they will be uncertain if their usage will return to normal soon. Admiral were much more on the ball and made it nice and easy - £25 per vehicle returned automatically - no questions - no application needed.


But as others say great if your policy costs £130 but awful if it’s £1300
thanks OP, didn't know about this, form sent+
jamhops11/05/2020 13:31

But as others say great if your policy costs £130 but awful if it’s £1300


Insurers are under no obligation to refund anything. I'm happy with my £25 per vehicle on 3 vehicles which equates to about 8% for me. I didn't need to put any time into claiming it either. Do you know what sort of percentages Direct Line are giving?
SuffolkLad22211/05/2020 13:51

Insurers are under no obligation to refund anything. I'm happy with my £25 …Insurers are under no obligation to refund anything. I'm happy with my £25 per vehicle on 3 vehicles which equates to about 8% for me. I didn't need to put any time into claiming it either. Do you know what sort of percentages Direct Line are giving?


I know but a flat % back would be fairer on the flip side I the wonder how many cars are being sorn.

Don’t know the amount i am admiral; doubt it’s much if they are re running the risk as they assume people lie on mileage and weight it to the first 5k miles. Some insurance is a higher risk the less you drive so wonder if the will give £0 back to some people. The true way would be to create a new risk profile but that’s not reliable and some people will still be driving.
jamhops11/05/2020 14:04

I know but a flat % back would be fairer on the flip side I the wonder how …I know but a flat % back would be fairer on the flip side I the wonder how many cars are being sorn. Don’t know the amount i am admiral; doubt it’s much if they are re running the risk as they assume people lie on mileage and weight it to the first 5k miles. Some insurance is a higher risk the less you drive so wonder if the will give £0 back to some people. The true way would be to create a new risk profile but that’s not reliable and some people will still be driving.


A percentage would require MUCH more work.
Youre not applying for some money back. Lets make this clear. Theyre allowing you to reduce your annual mileage mid term and will give you some money back. E.g. if you quoted on basis of 10k miles and now you want to change it to 6k.
SuffolkLad22211/05/2020 12:04

Strange that they are offering this only now that the lockdown is relaxing …Strange that they are offering this only now that the lockdown is relaxing so fewer people will apply as they will be uncertain if their usage will return to normal soon. Admiral were much more on the ball and made it nice and easy - £25 per vehicle returned automatically - no questions - no application needed.


Because youve misread it.

Theyre allowing you to reduce the mileage you were quoted on for the year. Which makes sense as for the last 6 weeks youve probably done no miles and for the rest of the year ypur mileage will likely be lower than it would have been normally.
Just to add my personal experience - I called direct line about 2 weeks back and reduced annual mileage on the policy, and they offered a refund which was immediately refunded to my original payment method, having paid the insurance price in full. I just called them randomly to try my luck for some refund with reduced mileage as car is not getting driven at all. Hope it helps
gaurjai11/05/2020 14:45

Just to add my personal experience - I called direct line about 2 weeks …Just to add my personal experience - I called direct line about 2 weeks back and reduced annual mileage on the policy, and they offered a refund which was immediately refunded to my original payment method, having paid the insurance price in full. I just called them randomly to try my luck for some refund with reduced mileage as car is not getting driven at all. Hope it helps


It wasn’t via this form on their website in this deal. And I just realised, it wasn’t the call but chat option on their website, I contacted over the chat
bigbadwolves11/05/2020 14:45

Because youve misread it.Theyre allowing you to reduce the mileage you …Because youve misread it.Theyre allowing you to reduce the mileage you were quoted on for the year. Which makes sense as for the last 6 weeks youve probably done no miles and for the rest of the year ypur mileage will likely be lower than it would have been normally.


I've not misread it.
SuffolkLad22211/05/2020 14:47

I've not misread it.


I agree you haven't misread it. It clearly states that your annual mileage won't change
Thanks for the heads up with this. I'm a key worker, so have been carrying on but my wife hasn't, so I have been switching between the two cars so they both get a run around, but it means are mileage has literally been cut in half! I have applied as we insure both with them. I paid up front, so I might get a nice bit of money back.
SuffolkLad22211/05/2020 14:29

A percentage would require MUCH more work.


Not that much more vs processing a refund for every active customer it’s an additional query etc not light work but not exactly ground breaking.
jamhops11/05/2020 16:11

Not that much more vs processing a refund for every active customer it’s a …Not that much more vs processing a refund for every active customer it’s an additional query etc not light work but not exactly ground breaking.


I think we need to agree to disagree I've worked as a consultant in 2 of the 3 companies mentioned in this thread and know the complexities that would be encountered.
Thanks for the post OP - Gone through the application as I have not done any miles since lock-down, however it does not give any end date - Or do we have to notify when my shielding is over?
SuffolkLad22211/05/2020 16:23

I think we need to agree to disagree I've worked as a consultant in 2 …I think we need to agree to disagree I've worked as a consultant in 2 of the 3 companies mentioned in this thread and know the complexities that would be encountered.


Fair play fine by me, I also worked in a large insurance company where data was available and I used it a lot for a period but the process to refund everyone was less simple obviously not these companies though.
Edited by: "jamhops" 11th May
terriclarkfan11/05/2020 11:51

"The annual mileage on your policy will remain unchanged"So what's the …"The annual mileage on your policy will remain unchanged"So what's the point? Is this just for people paying for their cover monthly, based on X miles per month?


People don't pay for cover monthly, they still kind of pay annually but enter into a monthly credit agreement usually. So I would argue the cover is the same for both.
I hardly driven my car,if I put 10 miles per week will I get anything?
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