Yes. In the UK car insurance is generally associated with the car and the driver, who is not necessarily the owner. If you borrow a car, the owner’s policy remains in force to cover his interest as the owner of the car and any liabilities arising from his use of it. If you take out a temporary cover, your policy will cover your liability to the owner for damage to the car as well as your road traffic liabilities to others. Although there may be more than one policy in force, you will not be able to claim on both to recover more than the loss.
Yes. This is one of the very common circumstances when short term or temporary cover is required. If a friend lends you his car knowing that his policy does not cover your use of it, he has a Road Traffic Act duty to ensure that you arrange insurance. Similarly, if you borrow a car, you have a duty to check whether there is cover in force for your use. Failure to do so could mean both of you can be charged with Road Traffic Act offences.
What is the minimum age for one day car insurance?
At Tempcover, policies are provided by a panel of insurers, so the eligibility criteria may vary, but generally, you must be 18 years of age and have held a UK licence for at least 6 months. The eligibility criteria for penalty points and disqualification may also vary.
With Insure Daily, the minimum age is currently 19 years. You must have held a full UK driving licence for at least 3 years. In addition, you must have been a UK resident for 12 months continuously and have no more than 6 points on your licence in the past 5 years. You must not have been disqualified for driving nor had your licence revoked in the past 5 years.
Yes, if you need insurance for a short period of time you can use temporary car insurance to tax a vehicle. Bear in mind that if you’re taxing a vehicle online, you’ll need to wait for the Motor Insurance Database (MID) to update first. This will usually only take 48 hours but can take up to a week.
Does temporary car insurance cover people with driving convictions or points on their licence?
Our partners can often provide cover in these circumstances. 5 or 6 points in 3 to 5 years may be acceptable. Disqualifications or licence revocations are usually NOT acceptable for temporary or short-term cover. In addition to driving penalties and convictions, some insurers will not quote if the proposer has criminal convictions.
Can I use temporary car insurance to recover an impounded car?
At the time of writing, neither of our partners can provide cover for recovering impounded vehicles.
How much is it to insure a car for a day?
Due to the wide variety of ages, vehicles and other rating variables, it is not possible to give a useful general guide figure. The best advice is to check the partners listed above and get quotes tailored to your own exact circumstances.
Temporary car insurance works out more expensive than an annual policy, on a daily basis because short term policies tend to present more risk than annual policies. In the case of car insurances, the cover will often be on a younger driver in a car with which he/she is not familiar. The underwriting & administration costs of a short-term policy also represent a higher proportion of the total premium. However, in return, short term policies generally offer much greater convenience and flexibility than amending an annual policy.
Insure Daily offers quick and affordable temporary car insurance – cover from 1 to 28 days.
These FAQs can give only very general guidance as to eligibility requirements. You should visit the partner websites and complete the links to Get A Quote for accurate information tailored to your specific situation and the underwriter’s eligibility criteria.
Any information given was correct at the time of writing and has been quoted from the partners’ own FAQs page: