Lets not forget the windfall £250 we received from Motability for reduced mileage during the covid lockdowns.
While true it’s important to note that rebate wasn’t just for the reduced mileage; a parked car can still be involved in an accident.
The significant factor that allowed that rebate to be paid was due to the reduced amount of accidents from the road network having an extremely reduced volume of traffic.
More specifically it was due to the amount of accidents involving injury to multiple parties, which is where things get really expensive for insurance companies. Repairing a car is cheap compared to covering emergency service fees, medical bills, and significant life change payouts.
As a small, possibly interesting aside, the restrictions on leaving home during lock down were both to stop transmission contact frequency, and more importantly to significantly decrease the amount of serious injuries on the road and at places of work which can overwhelm hospitals even on a quiet day.