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An essential guide to temp car insurance

When you purchase car insurance it will generally run for a 12 month period, however many people find that, for one reason or another, they don’t require insurance for this long a period. Perhaps you’ve found that you may have the need to borrow another person’s vehicle for a set period of time, or you may even be using a different vehicle for an extended trip.

Whatever the reason temp car insurance is there to cover you, and in this guide we introduce you to how it works and how you can find the best deal.

How temp car insurance works

Temp car insurance offers cover for between 1 to 28 days (there may be other providers that go outside of this time frame but you’d need to check with the individual provider). An advantage of temp car insurance is that you can specify specifically how long you want the cover to last. This way you know that you’re not paying for coverage that you don’t need.

An additional benefit of temp car insurance is that you don’t need to be concerned that others that are insured on the same vehicle will affect your no claims in the event of a crash.

Who is temporary car insurance available to?

Temp car insurance is generally subject to more stringent rules on age than normal car insurance policies. Where typical insurance policies are available to everyone aged from 17 to 75, temp car insurance generally requires the person to be at least 21 years old (and some even require the driver to be a minimum of 25 years old). Additionally you do, of course, need to hold a full UK driving licence.

You should also take note that if you’ve encountered issues in the past in relation to points on your licence due to speeding or other motoring offence you may find that the quotes you receive are pretty significant. In instances such as these you may have no other option but to take out an insurance policy and cancel it after the required period (which may also see you incur a fee).

Finding the best deal on temp car insurance

Use comparison websites

Comparison websites should be your starting point in your search for cheap temp car insurance. These websites now feature hundreds of temp car insurance providers and will provide you with the best overview of what’s available.

Ring specialist companies directly

Because of the nature of temp car insurance it may well be worthwhile to seek out companies that deal solely with this type of insurance. Call a few directly to see if they can better on what the main stream providers have quoted.

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You may also be interested in PAYG Car Insurance.

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