Nov 24 2013
Sometimes, yearly car insurance just isn’t right for you. Although annual cover is usually the most practical, there can be times when you only want to be insured for a short period. Temporary car insurance makes this possible and it means that you can get insurance that allows you to drive somebody else’s car or allows them to drive yours. It runs from 1 day to 28 days and has a number of practical uses. Here’s everything you need to know about temporary car insurance.
When Might You Need Temporary Car Insurance?
Most people who get temporary car insurance only use it for a couple of days. One common use for temporary car insurance is long journeys and this is because people want to borrow their partner’s or friend’s car because it is either larger or more comfortable.
On that theme, space is the main reason that people get temporary insurance for vans. Generally, this is because they are moving home and they need something that is larger than their family car. Obviously, this is a huge bonus for both you and your friend who owns the van and probably doesn’t want to act as your personal chauffeur for a few days.
There are hundreds of reasons why you would get temporary car insurance and these range from insurance to drive your new car home or insurance for other people to test drive a car that you’re selling. In addition, short term car insurance is great for students.
What Will it Cover You For?
Temporary car insurance guarantees you comprehensive cover for the car that you’re borrowing and protects your no claims discount when you lend your car to somebody else.
Because of the nature of the cover, you can get quotes in seconds and even be insured within the hour; it is far less complex than getting annual cover and it is much quicker.
Although on a day to day basis the short term cover is more expensive than annual cover, it is still incredibly cheap over a limited time period, and if you want cover for something that lasts anywhere between 1 and 28 days, then it is a good option.
Finding the Right Policy
Short term insurance is widely available and, much like with annual cover, there are large variations in prices depending on the vehicle you’re insuring, your driving record and your level of experience. As you’d expect, some comparison websites also offer the cover, but using tools like an instant quote calculator means that going around individual retailers is relatively quick and you can cover some companies who aren’t on price comparison websites.
To conclude, there are a number of reasons why temporary car insurance is incredibly useful. So, if you want to borrow somebody else’s car or if you want to let somebody else drive yours for a while, then there’s an option for you. Surprisingly, short term cover is relatively cheap too, while still covering you for a multitude of sins.