Need to drive another car?
Want to insure a car for a week? If you’ve never come across temporary car insurance, you may wonder who and why anyone would need it. There are a variety of reasons people buy it, the main one being that it saves you money. For instance, why bother adding you kids name to your existing annual policy, which would incur a significant increase, if they are away at university for most of the year, and only want to borrow your car when they are home for the holidays. Another example is when you are collecting a new car, get the temporary cover and then arrange annual cover when you have time to compare the myriad of policies and prices available. The beauty of short term insurance is that you can take it out from as little as one day, or up to 28 days, usually with the option to extend for longer if required. You can also get temporary cover for vans, which is particularly useful if you’re moving house or shifting a large piece of furniture, and borrow a van to do it.
Advantage of Temporary Car Insurance
I believe the major advantage of buying this type of cover, is the fact that if you’re unfortunate enough to have an accident, then you won’t lose your no claims bonus, nor would the person who lent you their car. It would be bad enough to borrow a friend's car and damage it, but to cost them their no claims discount as well would be even worse! If you had added someone to your annual policy and there was an accident, it is likely your no claims bonus would be at risk, which could result in a sizable increase to your policy when it becomes time to renew.
Who Can Get Short Term Car insurance
Some insurance providers have age limits of over 21, but if you shop around there are many companies that provide cover for drivers from 18 and over. Drivers will need to have had a full UK or EU license for 12 months, some providers accept 6 months. Your previous driving history, as you would expect, will be taken into account, subsequently any disqualifications, penalty points or past insurance claims may impact on whether or not you can obtain cover.
Some policies will let you add temporary breakdown cover, which I find is always very reassuring to have. You can also get temporary cover if you’re travelling abroad, within Europe, which is great for those spontaneous few days away.
Where do you get it?
You can obtain information and quotes for temporary car insurance, very simply, online. In fact you can buy your cover within a few minutes it’s so simple and hassle free. You normally answer a few simple questions and when the cover is agreed, the documents are usually emailed directly to you, you can be covered immediately if you need to be.
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