The cost of Temporary Car Insurance changes significantly depending on what type of car you are insuring. Less powerful cars cost less to insure on a short-term basis, and more powerful and more expensive cars generally cost a lot more to get temporary insurance for. This calculation is often done for insurance providers through categorising cars into different car groups, and the higher the car group your vehicle is in, the higher your temporary car insurance will be. For example, cheaper and less powerful cars that might be in a lower car group such as 1-10 are more likely to find their temporary car insurance for 1 day to cost closer to £15.
This list is just an example and is dependent on the individual models of these vehicles too - some will be a higher car group than others, particularly if they are fitted with more powerful engines.
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Specific models of these car manufacturers will be higher car groups than others, but these are just some examples. For a 1 day temporary car insurance policy on one of these higher car group cars it is more likely to cost you between £60-£100 depending on your other details and circumstances.
Vans are categorised similarly but within groups 1-20, and lower van group vans are cheaper than higher van group vans. Vans are often slightly more expensive than their equivalent cars, as cheaper vans are still regarded as higher risk for temporary insurance companies than cheaper cars. For example, 1 day van insurance policies generally start from around £20 at the cheaper end of the scale compared to prices from £13 for the cheapest 1 day car insurance rates. You can read more about Car Insurance Groups here, and how to find out what insurance group your car or van is in.
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Temporary car insurance discounts come in different forms. The most common forms of temporary car insurance discounts are more related to your own personal details and vehicle details, and how these affect your ability to get a cheaper price for your temporary car insurance. For example, age, area, vehicle type all have an impact on how much your short term car insurance will cost, and can help you get a discount. Unlike annual car insurance, no claims discount is unlikely to affect the price of your temporary car insurance. However, your driving experience, how long you have had your licence and whether you have any points or convictions on your licence can all impact the price of your temporary insurance.
