Temporary car insurance is a way of providing vehicle cover for a shorter time frame than the standard annual time period usually offered. The length of policy is normally restricted for a period between 1 and 28 days.
Why Take Out Short Term Cover?
Any situation where car driving is not done on a regular basis could be a reason for taking out this type of vehicle cover. An example would be if you are borrowing a friend’s car for a day out or going on holiday and only want a car for the duration of the holiday. Similarly, short term motor cover allows you to insure someone else who is driving your own car on a one-off basis. Otherwise, it may be for a test drive it’s needed or when driving a courtesy or hire car. In circumstances like these, as with many others, a temp policy can be taken out for a day, few days, week or month and be more cost-effective than taking out annual motor insurance.
Where Can I Get It?
A number of firms who offer standard polices also offer short term cover for either a car or van. In addition, there are a number of specialist companies who solely deal in vehicle assurance for a period generally between a day and a month. Hiring short term cover for a vehicle is usually straight-forward and can often be done over the phone or online in a relatively quick time.
Is Everyone Eligible?
Different companies have different requirements for taking out shorter term vehicle insurance. For instance, one company may have a minimum age requirement of 18 whilst for another it will be 23. Typically, you have to be between 18 and 75 and have held a UK driving licence for a certain period of time, either 6 or 12 months for example, as well as being a resident of the country during that time. The type of car you drive is also looked at but with most firms who offer this kind of cover, the vast majority of cars are eligible for cover. As with a standard policy, the younger the driver, the harder it will be in general to get a cheap quote.
Is The Cover The Same As A Standard Policy?
Yes, temporary car insurance should give the same comprehensive cover as any annual insurance policy. The only difference is the time period. In addition, a no-claims bonus will not be affected should any type of accident occur whilst driving a car which has temporary motor insurance.
As well as the price you pay naturally varying from company to company, other factors can affect the price charged for this type of vehicle insurance. These are the same factors as those which can affect how much you would pay for annual cover such as how old you are, where you live and what vehicle you’re driving.