Following the COVID-19 outbreak, we’ve made some changes to our operating appetites and product availability to help our brokers and policy holders. We’ll keep making changes in the days and weeks ahead, so please come back to this page for more detail. For periodic updates on ERS' Operations performance, read our Status Updates.

  • Can a policyholder make voluntary deliveries?

    Yes. Any policyholder or named driver on any product can now use their vehicle for voluntary services, like NHS deliveries or patient transfer provided that they are not being paid to do so. There’s no extra cost and no need to notify us.

    Examples of voluntary/charitable use are:

    • Taking someone to and from shops where they have no means of doing so themselves
    • Taking food or clothing to someone in need
    • Taking medicine to a patient or person who cannot leave the house to get it themselves
    • NHS volunteer workers commuting to hospitals or similar locations, checking on patients or providing free transport to take people to and from hospitals
    • Existing member of the UK armed forces volunteering to deliver aid to isolated member of their communities
  • What help can you provide Key Workers and Medical Professionals during the Covid-19 lock-down?

    Free Commuting for all Key Workers’ SDP policies

    We’ve automatically added commuting to Key Worker’s SDP policies during the lock-down period. There’s no need to contact us and there’s no extra cost.

    Here’s the list of Key Workers:

    • Health and social care: This includes but is not limited to doctors, nurses, midwives, paramedics, social workers, care workers, and other front-line health and social care staff including volunteers; the support and specialist staff required to maintain the UK’s health and social care sector; those working as part of the health and social care supply chain, including producers and distributors of medicines and medical and personal protective equipment
    • Education and childcare: This includes nursery and teaching staff, social workers and those specialist education professionals who must remain active during the Covid-19.
    • Key public services: This includes those essential to the running of the justice system, religious staff, charities and workers delivering key front-line services, those responsible for the management of the deceased, and journalists and broadcasters who are providing public service broadcasting.
    • Local and national government: This only includes those administrative occupations essential to the effective delivery of the Covid-19 response or delivering essential public services such as the payment of benefits, including in government agencies and arms length bodies.
    • Food and other necessary goods: This includes those involved in food production, processing, distribution, sale and delivery as well as those essential to the provision of other key goods (for example hygienic and veterinary medicines).
    • Public safety and national security: This includes police and support staff, Ministry of Defence civilians, contractor and armed forces personnel (those critical to the delivery of key defence and national security outputs and essential to the response to the Covid-19 pandemic), fire and rescue service employees (including support staff), National Crime Agency staff, those maintaining border security, prison and probation staff and other national security roles, including those overseas.
    • Transport: This includes those who will keep the air, water, road and rail passenger and freight transport modes operating during the Covid-19 response, including those working on transport systems through which supply chains pass.
    • Utilities, communication and financial services: This includes staff needed for essential financial services provision (including but not limited to workers in banks, building societies and financial market infrastructure), the oil, gas, electricity and water sectors (including sewerage), information technology and data infrastructure sector and primary industry supplies to continue during the Covid-19 response, as well as key staff working in the civil nuclear, chemicals, telecommunications (including but not limited to network operations, field engineering, call centre staff, IT and data infrastructure, 999 and 111 critical services), postal services and delivery, payments providers and waste disposal sectors.

    We’ll waive the Accidental Damage excess for Medical Professionals

    To support staff in the medical profession, we will be waiving the AD excess in the event of a claim regardless of the fault status. This will apply to claims that occur from the 1st April 2020 up until the 31st July 2020. The occupational categories that we are including under the definition of medical staff is detailed below;

    • Health Care – NHS
    • Health Care – private
    • Health Authority
    • Hospital Staff

    Free courtesy car for Medical Professionals

    We’re also guaranteeing the provision of a courtesy car for medical professionals to ensure we can assist in keeping them on the road regardless of fault status. The courtesy car will be a standard Corsa/Fiesta type vehicle provided by Enterprise Hire. This will apply to claims that occur from the 1st April 2020 up until the 31st July 2020. The occupational categories that we are including under the definition of medical staff is detailed below;

    • Health Care – NHS
    • Health Care – private
    • Health Authority
    • Hospital Staff
  • What happens if I can’t confirm a policyholder’s renewal due to the pandemic?

    We are unable to extend expiring terms and will only renew on invited terms.

    If you are unable to connect with a policyholder with invited renewal terms, we’ll honour them for another 30 days and re-instate the policy to the original renewal date when you are able to contact us. There will be no gap in cover.

    As there is an amnesty on MID during this period, policy holders will not be stopped by the police if their cover has expired, however we would encourage brokers to connect with policy holders as soon as possible.

  • What happens if a policyholder’s MOT has expired?

    Following the announcement by the Government on the 25th March in relation to the MOT tests expiring during the Pandemic the below clarifies our current position. Please note that it's the policyholder's responsibility to ensure their vehicle is roadworthy.



    Resulting Action

    Suspension of MOT's for Cars, Motorcycles and Light Vans

    Private Car (and equivalents), Van, Motorcycles

    Acceptable that vehicles due a MOT between 30th March – 30th September 2020 have not been completed.

    No breach of policy condition.

    Suspension of MOT's for Lorries, Buses and Trailers

    Other Products

    Acceptable that vehicles due a MOT between 21st March – 21st June 2020 have not been completed.

    No breach of policy condition.

  • My policyholder wants to make courier deliveries, can you help?

    Yes. We’ve opened up eTrade Courier for all brokers to use, so all brokers can quote and buy ERS Courier online from today.

    Benefits of ERS Courier - read more here:

    • Multi drop and time-critical drop deliveries
    • Third party property damage up to £5,000,000
    • Multi-vehicle risks with up to 5 vehicles
    • Any driver terms for multi-vehicle policies

    Note that, to begin with, some quotes will be referred to our underwriting team, but we expect referrals to reduce over time

    If you already use eTrade - Courier will be available on the product selection page. Tap Courier and complete the quote online.

    If you don’t use eTrade - eTrade lets you quote and buy many ERS Commercial products online, anytime, from any device – discover more here. You can register to access eTrade on, we’ll help get your teams up and running quickly. We’ll make sure Courier is available for you to use immediately.

  • Can policyholders reduce cover if they’re not using their vehicles during this period?

    Yes. We allow a reduction in cover to laid up, fire and theft across Fleet, Taxi, Minibus, Transportation, Coach and Bus and Agriculture farm policies as long as the risk fulfills our eligibility criteria. Please note that a Statutory Off Road Notification (SORN) does need to be in place for the insured vehicle and we will reduce cover to laid up from the date SORN is declared to the DVLA.

    If you wish to reduce cover for your policyholders, please contact our underwriting team.

  • Can a policyholder change the use of their vehicle?

    We are able to allow policyholders to change their vehicle's use across Fleet and Commercial products - in all cases you will need to speak to an Underwriter to make these changes:

    Fleet Taxi - alternative use request
    Please contact an Underwriter with the following information:

    • Delivery Driving

    • Goods carried

    • Anticipated number of drops per day

    • Radius of operation

    • Vehicles used

    • Who are they working for / who is the contract with? i.e. Amazon, NHS etc
    Fleet Self Drive Hire - Minimum premium endorsement
    Please refer to Underwriting
    Fleet - reducing cover to SDP
    Please refer to Underwriting
    Commercial Taxi - reducing cover to SDP
    We are only able to reduce cover to SDP, where the policy holder wants to temporarily remove all forms of business use for the policy, but still requires use of the vehicle for social purposes. Please contact Underwriting with your request. We will adjust the policy manually to change the certificate and discuss premium reduction
    Taxi - alternative use request
    For Taxi policy holders, we are able to extend the following uses at no additional charge;
    • Fast food delivery

    • Delivery Driving

    • Courier use

    Please contact our Underwriting team to confirm what the policyholder will be using the vehicle for

  • A policyholder claims they are experiencing financial difficulties due to Covid-19. Can you help?

    Yes. We are able to assist our customers where possible and when within our control. If you think a policyholder is experiencing financial difficulties due to Covid-19, then please contact the appropriate underwriting department for us to consider the options available.

    Please note, that if the request relates to a credit facility provided through you, ERS are unable to help. Any spreading or delay of payments is for you to consider and determine.

  • Do ERS accept the use of protective barriers or safety screens in taxis?

    ERS understand that drivers have concerns about the implication of the Covid-19 outbreak and want to protect the health of themselves and their passengers. As an insurer it is not within expertise to advise on the safety of these screens, nor whether they are an effective means of safeguarding against transmission of the virus.

    ERS are however supportive of our taxi operators taking steps to minimise the risk of transmission of the virus to them and their passengers. As such, we can confirm our motor insurance cover would extend to cover vehicles with bespoke screens fitted subject to the following:

    • The local licensing authority has confirmed that is acceptable to install a screen
    • The screen complies with relevant local authority regulations
    • The screen is professionally and securely fitted (unless the screen has been designed and manufactured to allow self-installation).