Guide To Temporary Car Insurance

Temporary Car Insurance UK

Traditionally to insure a vehicle you have to enter a 12 month insurance policy term to cover the cost of any liability that may occur in that duration. However there are certain situations where you may need insurance cover on another vehicle for a much shorter duration and quickly. This is where temporary or short term insurance cover can provide a suitable solution to ensure that you have an appropriate level of cover at all times, even if you only need it for one day.

What is Temporary Car Insurance?

Temporary car insurance is a short term insurance policy which can last between 1-28 days. The main objective is to provide motorists the option of being able to drive another vehicle on a short term basis and maintain a full level of insurance cover. Temporary car insurance can offer a number of great benefits and convenience for motorists who would like to insure themselves on another car or someone else on their car for a short period only without interfering with the already existing insurance policy.

How Does Short Term Insurance Work?

If you add an additional driver to your insurance policy there is a possibility that you may lose your no claims discount through no fault of your own. Temporary car insurance enables someone else or for you to drive another car without jeopardising yours or someone else’s no claims discount. has teamed up with several specialist short term insurance providers so you have the peace of mind that no matter the reason you or someone else are fully covered.

Am I Eligible for Short Term Insurance?

Most insurance companies that offer short term insurance cover require you to be over 21 years of age with a clean driving licence. In addition you may have had to have held a full driving licence for at least 12 months to be eligible for temporary insurance cover.

Eligibility can vary across insurance companies, so if you are thinking of needing temporary cover contact your insurance provider and they will be able to tell you whether you can obtain car insurance cover and how much it will cost.

There are many possible scenarios that may warrant you or another driver to need temporary insurance cover on a vehicle. To give you an idea of how useful short term insurance can be here are just a few reasons why it could be the right option:

  • If you want to borrow a friend or relatives vehicle
  • Planning a holiday and want to borrow someone else’s car
  • Son or Daughter returning from University and need to drive another car temporarily
  • If you have just purchased a car and need to drive it from the dealership to home
  • Have visitors coming to stay and they need a car to drive
  • Want to lend your car to someone else without risk on your own insurance
  • Need temporary cover for a learner driver

These are just a few examples of where temporary insurance can be really helpful and a quick solution when a situation presents itself.

One of the biggest advantages of arranging temporary car insurance is that you can get instant cover either over the phone or online. Before you arrange the insurance it’s a good idea to get all the details ready whether you’re arranging cover for yourself or someone else. Make sure you have the following details to hand:

  • Name
  • Date of Birth
  • Number of years licence has been held
  • Any previous claims or convictions?
  • Duration cover is required for
  • Start and finish dates required for cover
  • Vehicle registration
  • Whether you need cover in the UK or abroad
  • Do you need temporary breakdown cover?

If you have all of the details above then you can get started today, just click here and visit our short term insurance page and arrange cover in a matter of minutes!

12/03/2012 15:59:24 Eren

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