I wonder if this will catch on over here?
www.bbc.com/news/business-52194521
"Allstate will be paying customers back in two ways. Drivers in quarantine will receive refunds, while most customers will be given a 15% discount on monthly premiums for April and May. The discounts will apply to 18 million customers.
"This is fair because less driving means fewer accidents," said Tom Wilson, chief executive at Allstate. Its data showed driving mileage was down between 35% and 40%.
"American Family Mutual said it would be making a one-time payment to all customers. "They are driving less and experiencing fewer claims. Because of these results, they deserve premium relief," said chief operating officer Telisa Yancy."
I guess your cover would remain intact for fire & theft and other non-driving related liabilities.
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US car insurers refund drivers stuck at h.. new
US car insurers refund drivers stuck.. new