The UK now has a range of different temporary car insurance providers which means getting a cheap deal for a few days of cover could well be possible easily and quickly online.
Gone are the days of having to call around different brokers to try and arrange an alteration to your existing policy. A quick search on the Web should return a list of providers and the chance to get a few quotes within minutes.
Instant protection is available whether it is required for one week or just a day. Examples of where it can be convenient are taking a car for a test drive, insuring a friend or colleague if you are sharing the driving on a road trip or when using a courtesy vehicle while your motor is off the road for whatever reason.
Temp vehicle insurance is becoming more and more popular, providing drivers with a solution to their immediate insurance needs. It is generally available for any period of time between one and 28 days. Unlike an annual policy, you pay only for the cover you need which gives an economically viable alternative to traditional insurance. There are a few points you need to remember though; you cannot tax a car which is only temporarily insured and you cannot simply take out one policy after another throughout the year. Temporary cover is designed for short periods of time only and should not be compared to or confused with a way to get the cheapest standard policy.
Short term insurance is available for the majority of vehicles that are registered within the UK and have not had any modifications made to them. As well as standard automobiles you may also be able to find cover for your motorbike, motor home or van. A temporary policy is a great way to save money on your insurance without affecting your no-claims bonus in a number of different situations.
Temporary cover can be taken out when you are driving your vehicle abroad and your regular policy will not cover you when you take your vehicle outside of the UK. When used in this sense you will often have to pay an extra premium to include fully comprehensive cover; in the majority of cases you will only be covered for third party or the equivalent in the country where you will be travelling to.
Short term insurance is excellent for periods as short as one day at a time; for example for driving your car off the forecourt when you purchase it or for taking a van for a test drive. You may also borrow a car or lend your car to a friend for a day, temporary cover bringing you the peace of mind that you need to ensure that you will be fully covered even in the event of an accident. You can insure a courtesy car whilst yours is in the mechanics, or you can insure your teenager for a weekend when they come home from college for a visit. Many people may take the risk of allowing someone else to get behind the wheel of there vehicle without taking out extra cover; this can cause huge problems though most especially when the car is involved in an accident.
Short term car insurance is generally fully comprehensive, but under certain circumstances you may be able to find a company who is willing to offer you third party cover for your vehicle. There are some limitations to who can be insured on a temporary policy, and the premium you pay will also vary depending on some factors such as the postcode of your home and the driving record of the person who will be insured. Some companies will allow teenagers to drive at an elevated premium; many however will stipulate that the driver is at least 21 years of age and has held a full UK or EU license for at least 12 months without having been sanctioned.
It is important to realize that short term motor insurance is not a replacement for your traditional policy, and that you will need to wait at least two weeks after one policy finishes before you can take out another one; there is also a limit to the number of policies you can take out in one year. There is also a normal upper age limit for insurance of 75, but again you may be able to find a company who will be willing to insure you for a higher premium. It is very important to remember that a temporary cover for your car cannot replace your normal annual insurance, and you will not be able to renew the tax on your car if it does not have an up to date permanent policy in place.
As with all types of regular car insurance, there will be restrictions to your policy and failure to abide them will make the insurance null or void. These may include allowing someone who is not named on the policy to drive the vehicle and the use of the car for purposes other than those stipulated in the contract such as carrying paying passengers with you. The price you pay for your temporary cover can vary from company to company, so to ensure you find the very best policy for you it is essential that you shop around both online and insurance brokers near you.