What is Temporary Car Insurance?
Unlike normal car insurance where you are bound to a 12 month contract, temporary car insurance allows you the freedom to insure a car for a short period of time. Cover can range from 1 day to 28 days.
Why Use Short-Term Car Insurance?
There a number of reasons why you may opt for temporary cover. Perhaps you want to test drive a car for the weekend or you want to borrow your friends sporty motor for the day. Either way, you will want to have the peace of mind that you are fully covered if something were to go wrong.
Temporary car insurance is the quick and convenient way to get insured. You can be on the road within minutes. Most short term car insurance companies will email you over your insurance documents the minute you complete the transaction online. This is handy if something pops up last minute and you need to drive somewhere.
Insuring Hired Vans
It's not just cars that can be insured temporarily, you can also insure vans. Ideal for those of you who are looking to move house and want to hire a van for the day.
Temporary Car Insurance Can Be Cheaper
Temporary car insurance is cheaper than renting a hire car/van or adding an extra person to an existing annual policy. Insurance firms tend to charge their customers extortionate fees if they wish to add an extra policy holder - not only this but it can take days for the paperwork to go through.
The other advantage of this type of insurance is that it means your no claims bonus is protected if someone wants to drive your car temporarily.
Who Can Get Short Term Car Insurance?
In order to qualify for short term car insurance, you must be over the age of 21; you will also need to have a clean driving license without any convictions. The majority of companies will also require you to have at least one year's driving experience. There are also restrictions on the types of car you can insure, some will only insure cars that fall into insurance group 20 or below, others simply won't insure cars over a certain value. If you are looking to use temporary car insurance whilst driving abroad, ensure that company will provide cover outside the UK.