Temporary car insurance can come in very handy when you least expect it. It`s a useful tool for any last-minute driving decisions and the benefits can help save you a lot of time and money.
How does it work?
You can purchase temporary car insurance to cover a specific vehicle short-term, between one hour and 30 days. It`s a great solution for any emergencies or if you`re needing to borrow someone else`s car on short notice.
Temporary car insurance can provide you with fully comprehensive cover quickly and easily, with some types of cover lasting between 28 to 90 days, if you require insurance for a longer period of time.
The insurer will need to know your full name and address, as well as your license details and driving history. It`s quick and easy to arrange and you will be covered almost immediately.
How much does it cost?
The price of your temporary insurance will depend on a number of factors, from your driving history and age to your location and the car you want to drive.
However, if you`re looking to be covered for an hour, the average cost for this is around £16.02. To be covered for a day, the average price is £28.45.
Is it worth it?
When deciding whether to choose temporary car insurance, it`s worth considering your costs. Temporary cover is perfect for those last-minute situations and is a cost-effective way to drive a friend or family member`s car without it costing the earth.
Do you only use your car on certain occasions? It may be more economical to insure your car as and when you need it, saving you money on annual insurance costs.
If you`re a learner driver and you`re hoping to use a friend`s car to practice in, short-term temporary insurance may come in handy for you to learn the rules of the road if you haven`t got your own car yet.
Who can use it?
Anyone who has had a valid driving license for a year is eligible to use temporary car insurance. Your car also needs to have an underlying policy already in place, as it is a legal requirement for all cars to be insured.
Can I use it abroad?
If you`re jetting off this year, you may be weighing up the decision to hire a car or take public transport. Temporary car insurance is also available abroad and covers those driving across all EU member states.
You could split the costs between you and your friends to save on travel expenses -- work out which option is more cost-effective for you. If you`re hiring a car outside of the UK or EU, ensure you also take out car hire excess insurance.