Yes, you can purchase temporary car insurance without an underlying main insurance policy. Whilst Temporary Car Insurance is usually purchased as an add-on policy, where a vehicle is already insured, it can also be used as a stand-alone policy to allow you to drive a car that does not have an underlying insurance policy.
Temporary car insurance can be for any period from 1 hour to 3 months so if you do not have a main insurance policy, or if your annual insurance expires you can get a temporary insurance policy to allow you to drive for that period.
This can allow you to get a cost-effective and helpful stop-gap in the event where you do not have an underlying annual policy.
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Annual insurance policies are not impacted by temporary ones. Dual insurance is generally when there are 2 annual insurance policies in place for the same risk at the same time. This can be the exact same periods or when there is overlap between 2 different policies.
There is no advantage to having 2 policies during the same period and it can cause a lot of issues and obviously will cost you more as you are paying 2 insurance premiums for the same period. If there are 2 overlapping policies the 2 insurance companies are likely to dispute who is responsible to cover any claims that occur, and you will never receive compensation of any greater value than what the insured risk is worth.
Ultimately dual insurance should be avoided and it would be good to make sure that any new policies you purchase begin after any existing policies expire to avoid accidentally having overlapping insurance policies.
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Dual insurance, also known as multiple insurance, is when there are 2 separate policies that cover the same risk at the same time. This is strongly advised against and it can cause policies to be voided, and could cause many problems if there is a claim as both insurer will want the other insurance company to cover the claim.
Temporary Car Insurance however does not count as dual insurance, as it is usually used to insure a different risk to the annual insurance policy. As long as you are not a named driver on a policy to drive the car you are looking to get temporary cover for, then it will not be deemed as dual insurance. The temporary car insurance will be there to allow you to drive a car that you otherwise did not have direct insurance for. This means that temporary car insurance would not be deemed as dual insurance unless it is covering the same person for the same period.
