Temporary Car Insurance

There are many reasons why Temporary Car Insurance is required by customers;

  • temporarily add a driver to your policy
  • cover yourself to drive another vehicle
  • arranging cover for a courtesy car
  • cover for Test Driving a car
  • buying a new car - cover to drive home

For all of the above and many other purposes, Temporary Car Insurance can provide the solution to cover your insurance needs. In addition to this, the cover will be treated as a separate independent insurance, avoiding loss of No Claims Bonus earned on the main policy covering the vehicle.

Temp Car Insurance

Differing from annual insurance, temporary cover is specifically for 'short term' fixes, like if a relative comes to stay for a week's holiday and wants to use your car.

So the policies are for a minimum of one day insurance cover to a maximum of one month's car insurance (1 - 28 days, to be precise).

You can also take out concurrent policies, so if you required a month and a half's cover, at the end of the first 28 day period, you can incept a new policy for the required remaining period.

Online Cover

Offering instant online cover, which gives you a quote in seconds from only requiring the minimum of information, within a few minutes of finding our website your car can be insured with your insurance policy documentation emailed to you within minutes.

One Day Car Insurance

Example One: Mr P Robson was moving flat and assessed that he would need to do three complete return journeys in his Nissan Micra 1.0 LX to move his possessions from his old flat in Derby to his new flat in Wollaton, Nottingham.

The journey took 40 minutes each way, so in all, he was looking at 4 hours of journey time.

Luckily for Mr Robson, his friend, who owns a Lexus 300 RX, allowed him to borrow his car, provided he sorted out the insurance.

Within minutes of finding the InsureDaily website, Mr Robson had his insurance Certificate for One Day Car Insurance emailed to him.

He managed to take all his belonging in the much more spacious Lexus in one journey - saving time & petrol. The one day car insurance policy with InsureDaily worked a treat - with instant cover allowing him to get on with his move without having to leave the house!

One Week Car Insurance

Example Two: The Walsh family are going to Scotland for a weeks holiday and their cousin, Louise Walsh is joining them on the trip.

Louise has her own car but has decided to leave it behind to save money - they all go in the Walsh family's Ford Galaxy Edge. To share the driving on the holiday, Mr Walsh has arranged temporary additional driver cover with InsureDaily, so Louise can drive the Galaxy whenever needed during the holiday.

All drivers are now fully comprehensive - and even if Louise has an accident, this will not effect the No Claims Bonus already earned by Mr Walsh, as this One Week Car Insurance is treated as an independent, unrelated policy. InsureDaily offered the Walsh's a very straightforward way to ease the load of the driving for their one week holiday - and gave them all the comfort of knowing they were comprehensively insured.

There are many scenarios that InsureDaily's instant online temporary car insurance can help resolved. If you have any questions about the cover, please see our Frequently Asked Questions below, where most issues are answered.

Temporary Car Insurance – All You Need to Know

What is Temporary Car Insurance?

Temporary Car Insurance is there for when you only need car insurance for a short-term period and allows you to pay for how long you need that cover for.

So, if you need to drive a different vehicle for a day, a week, or a month this could be a cheaper and easier alternative to annual insurance for you.

Ramasis Limited offers a competitive comparison of short-term car insurance providers, and it’s quick and easy to get a quote for anywhere from 1-28 days.

Do I need Temporary Car Insurance?

If you’re wondering what circumstances you might need temporary insurance in or whether it might apply to you, here are some of the reasons that people purchase temporary insurance:

  • To borrow someone’s car whilst yours is being repaired or serviced.
  • To test drive a car
  • To use a friend or family member’s car whilst staying with them
  • To share the driving when going on a long journey or going on holiday
  • To insure yourself between the end of one annual policy and the start of another

There are obviously many more reasons that people need temporary car insurance, but these are some of the most common reasons.

How do I get Temporary Car Insurance?

Most short-term car insurance providers are online-based, and it can be really easy to get a quote in seconds and be covered in only a few minutes.

One Day Car Insurance

One day policies are the most popular and frequently used short-term policies due to the convenience and demand for being able to drive a different car to normal for one day, whether it’s to go on holiday, visit a relative or go to work whilst your car is in the garage, these are by far the most common policies and we compare one day car insurance providers to make sure you get the best price.

Can I get temporary Van Insurance?

You can get temporary van insurance for anywhere between 1-28 days, and getting a quote and getting cover is just as easy as for a car. So, whether you need short-term cover on a van while you’re moving house or just to use whilst your van is being repaired, you can get a quote in seconds here.

Learner Driver temporary car insurance

You can get temporary insurance if you’re learning to drive too. This can be helpful in learning to drive quicker whilst also saving money on lessons. You can get learner insurance from anywhere between 1 day and 1 year, so whether you just want to practice for an afternoon or you want to learn in your own car or a borrowed car for a year, you can get the right insurance for you here.

Does temporary car insurance show on MID?

It can take up to 7 working days for temporary insurance to show on MID which with short-term policies can mean the policy will have expired before it shows on MID. However, just because your cover does not show on MID yet does not mean you are not insured. The best way to know if and when your car is insured is to check your documents after you have purchased insurance and to keep a copy of these on you or make sure you have access to them on your email.

Why is temporary car insurance so expensive?

Temporary car insurance can be expensive depending on your circumstances. For insurers, the risk for insuring for 1 day and 1 year can be the same, so sometimes it can be more expensive than you might expect for short term policies. However, at InsureDaily we strive to offer the best, cheapest temporary car insurance on the market.

Is temporary insurance better than adding someone to my annual policy?

You could add someone to your annual policy on a short term basis with most insurance policies, however doing so can affect the price of your annual cover and would affect your NCB on that policy, so the better option and usually cheaper option is often to take out a separate temporary insurance policy.

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