Borrow someone else’s car is the most common reason for Temporary Car Insurance. Whether it’s a partner, parent or friend, sometimes it is convenient and necessary to borrow a car in order to commute to work or go on a trip.
There are a multitude of reasons why you might need to borrow someone's car. Here are some of the most common reasons you might need to borrow a car, and when you would need temp insurance to cover it:
| Reasons for Borrowing A Car | Percentage of Borrowers |
|---|---|
| Broken Down Car | 35% |
| Stolen Car | 10% |
| Test Drive | 20% |
| Need a Larger Vehicle | 20% |
| Car Driven by someone else | 15% |
If your car has broken down or in the garage you might still need to be able to drive to work or the shops or on a trip. This would be a perfect example of when you might need temporary car insurance to drive a borrowed car, so you can still drive where you need to go, and get cover for the period that you need it on a vehicle that you do not own.
Maybe you have leant your car to a partner, friend or family member and you need to do the same to make a journey. In this case the easiest and fastest solution would be to take out short term insurance on a borrowed car, so you can do the journey you need, without having to wait for your car to be returned to you.
If your car has been stolen you might have a courtesy car policy where your insurance company will offer you a replacement vehicle. However, many insurance policies have terms and conditions and even if you are covered by this, it can take a long time for insurance companies to get around to giving you a courtesy car. In this event you could take out temporary insurance for a few days whilst you waited for your courtesy car, so you could borrow someone else’s car.
If you’re a car enthusiast and your friend has just bought a new car that you like the look of, you may well be tempted to give it a spin. Well, if that friend is approving then you can purchase temporary car insurance so you have comprehensive cover to drive their car, and you both have the peace of mind knowing the car is fully covered.
If you’re moving house or picking up a new sofa you might find your little daily car might not have the room in it you need. But your uncle Geoff has a big 4x4, and within a few minutes you could get temporary car insurance to drive his car and move that sofa that wasn’t fitting in your Micra.
One option to drive a borrowed car is to be added to the owner’s annual insurance policy but this can cause more problems than it is worth.
Firstly, being added to an annual insurance policy can be expensive, and if you are only going to borrow the car for a short period then it will cost you a lot more than it is worth.
Secondly, adding a second driver to an annual policy can be time-consuming, and often requires you calling up your insurance company and giving them all the driver’s details over the phone. A much better and simpler option is to get temporary car insurance to drive a borrowed car. You can get temporary car insurance for a borrowed car in just a few minutes online, and all you need is minimal details to get a quote in just a few seconds.
Moreover, if you get temporary car insurance for someone else’s car, it means you are covered to drive that vehicle comprehensively and if you do have a claim it will not impact their no claims bonus. It’s cheaper, easier and gives the driver and owner the peace of mind that they have the comprehensive cover they need, without affecting the owner’s policy. This is why so many people choose to purchase temporary car insurance to drive a borrowed car.
You can also get Temporary Car Insurance to Drive Your Own Car
