Temporary car insurance, also known as short-term, provides cover between 1 and 28 days. It can be useful if you need a policy to protect yourself over a brief period. You might be looking to move house or borrow a friend’s car for example.
Is it easier to just add someone to an existing policy?
There is always the option to add a friend or a relative to your existing car insurance policy, but this might not be the cheapest way to arrange the cover you require. Plus, it could jeopardise your no-claims bonus if whoever borrows your car has an accident whilst driving it.
If something happened to your vehicle while a friend or relative was using it and you needed to make an insurance claim, this would probably mean an increase in your next years’ premium. Claiming on a separate, temporary insurance policy wouldn’t affect your personal car cover in such a way, so could definitely be beneficial from that point-of-view.
Who Can Purchase Temporary Car Insurance?
Insurance providers are generally happy to provide protection to any driver over the age of 18 and under 75. However, when it comes to temporary car insurance, you may find that insurers are unwilling to offer cover to anyone under the age of 21.
If you have any points on your driving licence, previous motoring convictions or a history of making motor insurance claims, you may also find it difficult to take out short-term insurance.
What are the other potential issues?
It’s important to be aware that buying occasional temporary car insurance is not a viable alternative to continuously insuring a vehicle that you own. Under Continuous Insurance Enforcement rules, it is an offence to keep a vehicle that is not either insured or registered with the DVLA as off the road. Even for cars or bikes that are not driven often, they need to be insured all the time.
How can I get the best deal on temporary car insurance?
As with any other kind of insurance policy, the key to getting the best deal is shopping around. Start by deciding what cover you require, and for how long, then look at a few providers before making a final decision.