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What is temporary car insurance & should i get it?

20th December 2021 Print

As a motorist, you always need to make sure that you have insurance in place when behind the wheel. Usually, this will be an annual policy, but it is not al-ways that simple. Temporary car insurance is a great solution for many differ-ent scenarios that allows motorists to have coverage from as little as one hour through to a month.

Who Might Want Temporary Car Insurance?

So, who might want to use temporary car insurance? There are many situations where this could come in handy when someone needs to drive a car that they do not have cover on. This could involve someone taking out temporary cover just for an hour so that they can test drive a car before purchasing or borrowing someone’s car for a journey. 

Other times that temporary car insurance can be useful is on a business trip where you might share the driving, taking a SORN vehicle for an MOT, driving a larger vehicle for removals or bridging a gap between annual policies. Another time that this type of insurance is used is when you are supervising someone that is learning to drive.

What is Covered?

As with any type of insurance, every policy is different and it is important to shop around to find the right level of cover for your needs. In most cases, you will be able to benefit from comprehensive cover with your temporary car in-surance policy with great flexibility. Additionally, there are likely to be optional extras like daily breakdown cover and European cover. Policies are standalone, which means that they will not affect your No Claims Discount on an annual policy if you have an accident.

How Much Does Temporary Car Insurance Cost?

The cost of temporary car insurance will vary based on a number of factors. Obviously, one of the main factors will be how long you need the cover for whether this is an hour, one day, a week or a month. It is a good idea to shop around to compare deals and to find the one that is best suited to your needs - just be sure to always read the small print and know what is and what is not covered. Many policies can be arranged in as little as 15 minutes, so it can be a quick and easy process.

Hopefully, this post will be informative and help you to understand why you might need temporary car insurance and how to go about finding the best poli-cy. It is an excellent solution in many situations that you might find yourself in and arranging a policy for an hour or a month can be quick and easy, but you always need to know what is covered by your temporary policy.