What is short term car insurance?

This type of policy provides fully comprehensive cover for a set period, from just a few hours to several weeks. Unlike adding yourself as a named driver on someone else’s insurance, this cover runs separately. So, if the worst happens and you have to make a claim, it won’t affect the car owner’s no-claims bonus.

Who Might Need Temporary Car Insurance?

Temporary car insurance isn’t just for those last-minute emergencies – though it might be useful for that too. Here are some common situations where short-term cover could make sense:

• Borrowing a car: If your car’s in the garage or you just need to borrow one for a short time, a temporary policy could get you covered quickly.
• Test-driving a vehicle: If you’re buying privately, the seller’s insurance won’t cover you – so you’ll need your own.
• Picking up a new purchase: Just bought a car? A short-term policy could help you drive it home legally before sorting out a long-term option.
• Hiring a car: Some people prefer to arrange their own insurance instead of taking the hire company’s policy.
• Sharing the driving: Got a long journey ahead? Taking turns behind the wheel could make the trip safer and less tiring.
• Ex-pats or visitors: If you’re back in the UK for a visit and borrowing a car, this could be a flexible way to stay covered.
• Emergencies: Life happens. Whether it’s a family emergency or just an unexpected trip, short-term cover might be the quickest way to get on the road.

How Does It Work?

Getting a policy is usually a straightforward process. You provide details about yourself, your driving history, and the vehicle you want to insure. If everything checks out, your cover could start almost immediately.

Most temporary policies offer fully comprehensive cover, meaning you’d be insured for damage to the car as well as third-party claims. Some insurers might even include extras like breakdown cover or European driving options – but this depends on the specific policy.

What Should You Consider?

Before getting temporary car insurance, there are a few things to keep in mind:

• Vehicle restrictions: Most standard cars and light vans (up to 3,500kg) might be covered, but high-performance or modified vehicles could be excluded.
• Licence requirements: Policies are generally available to those with full licences from the UK, Canada, Australia, New Zealand, and most of the EU. International driving permits are not accepted.
• Journey limits: Trips must begin and end in the UK, though some policies may allow European travel.
• Cost factors: Prices vary based on your age, driving experience, and the type of vehicle.

Is It the Right Option for You?

Temporary car insurance could be a practical solution if you need short-term cover without the hassle of a long-term policy. Whether you’re borrowing a car, picking up a new one, or just sharing a drive, it might offer the flexibility you need.

Could this be the right choice for your situation? Click below for more details and to get a quote in minutes!