The Impact of The Covid Pandemic On Car Insurance.

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The Impact of The Covid Pandemic On Car Insurance.

What is car insurance?

Having car insurance ensures you are covered financially if the worst were to happen to your car. This could be damage from an accident, theft, vandalisation and fire damage. It means you won't have to dig into your own pocket to pay for potentially huge repair or replacement costs.

Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of cover you must legally have is third-party car insurance. This would cover the damage to another person's car, for example in a collision accident, but provides limited cover for your own vehicle.

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How much does car insurance cost?

Car insurance is either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is taken out, monthly premiums will require a deposit and a monthly direct debit. There are many factors that come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums.

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The Impact of The Covid Pandemic On Car Insurance.

July 2022 marks a year since we have had no covid-19 restrictions in the UK. We have been out of lockdown, and our lives have returned to normality for the best part. But how people’s intentions on insurance have changed has been rather interesting. Here is what we found.

Car Insurance Near Me

Car Insurance Near Me increased during the pandemic despite not being a proximity-based physical offering. In 2020 when the UK first went into lockdown and restrictions were put into place, “car insurance near me” has still been relatively popular as a search term. The chart below shows that the time has been trending in the UK over the last 12 months.

Car Insurance as a search term

Car Insurance as a search term has become less popular each year since Google Trends began. This is because people are more specific with their search queries and reflective of their situation, needs and circumstances. Also, people are more commonly searching for and visiting comparison websites. They are looking for better deals and policies that meet their needs.  

A common trend in the search for car insurance was that January and February were the most popular months before COVID-19. Two thousand twenty things changed due to the lockdown enforcement in the first quarter. During the summer months, search interest for car insurance increased. This did spike but then declined during the rest of the year. In 2021 car insurance peaked as a search term in June and July. As January and February fell, for the first time, these months saw a decline in interest for car insurance. 2022 saw a repeat of the 2021 uplift in searches for Car Insurance in June and July, rather than starting high in January and February and declining during the rest of the year. 

Our findings show the interest in the term “car insurance” in January has decreased by 34% from 2018 to 2022. The draw for the same time in July has increased by 35% from 2018 to 2022. It wasn’t until 2020 there was an interest in car insurance within the summer months. The pandemic impacted this in 2020. But what has become more interesting is how this trend has continued into 2021 and 2022. June and July are now the peak months to search for car insurance.   

Car Insurance Trends


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