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Specialists' guide to temporary car insurance

The Basics

If you drive a car on any road in the UK, you are legally obliged to have insurance for it. Sometimes you only possess a vehicle for a short term period and there is no point in obtaining lengthy 1 year car insurance. If you need cover for a period of 1 to 28 days -- you are looking for temporary car insurance.

Why choose temporary car insurance?

- You have just bought a car and you need it insured the best way would be to buy a one day insurance and when you get all your documents straight to insure it on a permanent basis.

- You are borrowing someone else's car and you only need it insured for a couple of days on your name.

- You need to insure an additional car in your name if for example your car is getting repaired and you're driving a courtesy vehicle.

- You need to pay your road tax. Some providers are approved by DVLA and their policies would be accepted when applying for tax.

- You're going away on holiday and you're hiring a car.

- You want to test drive a car.

Requirements

Any UK resident (more than 12 months) between 21 and 75 years old with a full UK/EU driving licence would be accepted. Some providers would drop the minimum age limit to 18 years old but it's normally 21. You won't read it as a requirement but you won't be covered if you have more than 8 penalty points on your driving licence for the last 3 years. So a clean driving licence in possession of more than 6 months is the minimum insurers will consider. The maximum value for a vehicle on this type of policy is £75,000.

Can you go abroad with temporary car insurance?

If you intend to go abroad with this vehicle, do notify your insurer. Your premium will be higher but you will receive a comprehensive insurance policy that will be of great help if an accident happens abroad.

Providers and costs

You should expect to pay a price of £10 a day but this differs depending on your circumstances. We recommend you to have a look at Insure4aday, DirectLine or TempCover for a well priced quote. The main price factors are the drivers age, vehicle and area.

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