Temporary Car Insurance

Temporary Car Insurance

Most standard car insurance policies tend to be twelve months and then renew thereafter. However, not everyone wants to drive a vehicle for that length of time as they might not have vehicle access all year round. It is therefore possible that standard car insurance could be too expensive or just not necessary for some needs.

An alternative to a standard policy could be to have temporary car insurance in place to cover a fixed period of time. A person could need cover for just a few days or a couple of weeks and it could be possible to find a policy that is able to protect this time period. Car insurance is a legal requirement to have in place before journeying anywhere in the UK. As such there is great importance placed on having the right cover in place. People seeking temporary insurance may also want to consider affordability and so might be looking for cheap temporary car insurance to keep costs down.

Finding temporary cover could be made easier by searching online to identify the insurance companies and brokers that may be able to offer this specialist cover. Car insurance could be costly depending on the circumstances and the vehicle to be driven. To compare prices could show policies that are suitable to any budget and make temporary car insurance feasible.

A comparison could help someone get on the road quicker as searching for insurance with them might be much more convenient. The may understand the market better and be able to pinpoint an appropriate temporary policy right away. This could mean that no time is wasted contacting individual insurers on the phone and could be a much better experience all round.

What does driveaway insurance mean?

A drive away insurance policy is essentially a temporary form of insurance that lets you drive your new car from the dealership to your home. This is ideal for people who have not yet had time to organise an annual form of insurance coverage.

What is free driveaway insurance?

Sometimes a car dealership will include driveway insurance in their sale, so you don’t need to worry about sorting out insurance between purchasing your car and getting home. However it is more common that driveway insurance is only offered at an additional price, meaning you’ll need to pay for this coverage. Whilst these offers can be ideal for some they are not the best option for everyone. Typically these offerings are expensive and contain more coverage than the typical new car owner needs. However for car sales on sites like Gumtree sellers are typically not able to offer any form of car insurance

Will I need to be insured to drive in the UK if I am not a UK resident ?

In short, yes. By law drivers in the UK are required to have a minimum of third party insurance to ensure that they are able to cover the damages to any third party. This essentially means that you are required to have a minimum level of coverage, i.e. third party, in order to legally drive on UK roads.

What are my insurance options for driving in the UK?

Typically there are three main types of car insurance offered to motorists in the UK. These include:

• Third-Party Only
• Third-Party, Fire & Theft
• Fully Comprehensive

These levels of coverage differ in their price and of course their levels of coverage. Typically the more comprehensive an insurance policy, the greater the cost. However third-party insurance can in some instances be near or just as expensive as comprehensive due to riskier drivers usually opting for the cheapest options.

As a temporary visitor to the UK you may wish to consider a temporary form of car insurance to cover you for the time you are driving in the UK. There are many temporary car insurance options for foreign drivers who are not planning on remaining in the UK but would still like to drive whilst they are here. The only downside to this option however is that international drivers insurance tends to be more expensive than insurance for domestic drivers. Many temporary policies can cover you from as little as one hour to 28 days.

How to get cheaper temporary business car insurance

There are a few practical steps that can be taken to make sure you don’t spend more than you need to on your temporary car insurance.

• Select the correct coverage amount – It is important to take out the correct amount of insurance as you could end up paying for more than you temporarily need if you don’t choose the correct duration.
• Agree to pay higher excess – This can help reduce the overall cost of your premiums but be sure that you can actually pay the excess should you be involved in an accident.
• Don’t get unnecessary add-ons – Extras such as breakdown cover may be nice to have but you should consider if you feel you are likely to need it. The more add-ons you include in your policy the greater price you can expect to pay.

What are the alternatives to temporary business car insurance?

You can check to see if your annual comprehensive insurance includes a DOC clause (Drive other car). This would allow you to be covered with third-party only insurance whilst temporarily driving another car. You can also become a named driver on the car owners insurance policy. If your coverage includes a courtesy car then you will be able to be provided with a temporary car whilst you wait for your car to be repaired at the garage.

Why choose temporary business car insurance?

If you need temporary cover for a car that you do not own then a temporary business car insurance policy can be the ideal option. 

What different types of temporary car insurance can i choose from? 

• Young Drivers Temporary Insurance
• 1 hour Car Insurance
• One Day Car Insurance
• One Month Car Insurance