If you’re not a named driver on an insurance policy you can now drive that car instantly, with a short term car insurance policy and the owner’s permission. A temporary policy gives you your own insurance policy to drive that car for a time period from 1 hour to 30 days.
What can I use Temporary Car Insurance for?
Insurance for sharing the driving: You’re heading off for a weekend away with a friend. It’s a long journey so it would be nice to share the driving. The best way to do this? Temporary car insurance.
Test drive insurance: You’ve seen a car for sale and would love to test drive it yourself, but because it’s a private sale you aren’t insured. One day car insurance is what you need here!
Drive away insurance: You buy a car from a car supermarket, auction or private sale. One day car insurance will get you home legally, letting you investigate the best long term insurance options at leisure.
Temporary van insurance: You’re moving house and can manage the move yourself, but it would save you a couple of trips if you could use your friend’s van to move all your stuff. One day insurance is the perfect way to cover you for this.
Emergency car insurance: Your car won’t start and you have an important appointment to get to later on the same day. Your friend is happy to lend you their car, so one day car insurance is a perfect solution.
What does Temporary Car Insurance include?
Fully comprehensive accident insurance
Flexible policy length to suit your needs
Instant cover available
How Does Temporary Car Insurance Cover work?
1 – 28 Day Car Insurance works by giving you, the driver, your very own car insurance policy (short term) on the named car with the owner’s permission. As you’re not a named as a driver on the existing insurance policy, in the unfortunate situation that you need to make a claim, the claim will be on your short term policy not the existing car owner’s policy, keeping the car owner’s no claims incident free.
What do you need to take out Short Term Car Insurance?
You need the full personal details of the driver (title, name, address, marital status, date of birth, employment details) plus driving details (type of licence, driving licence number and length held, plus any claims or driving convictions).
The make, model and car registration of the car you want to drive.
Length of cover
How many days or hours you need cover for. Choose from 1 hour, 1 day cover, 2 or three day, or longer cover such as one week, two weeks or three weeks. You can select any length of time from 1-28 days
Car Owners Details
Who is the main owner, who is the car insured with, owners postcode, owners email address
Who is the Main Insurance Policy With
You will need to know who is the car currently insured with for example, esure, Direct Line, etc.
What your relationship is with the car owner
For example: parent/ child, colleague, friend
The date you want the cover to start. This can be to start immediately, or on a date to suit you.
Am I eligible for Temporary Car Insurance?
Most drivers will generally be covered, if they have held a full UK/ EU driving licence for a year or more. The ages of drivers covered is normally from 19-75.