Insuring a car temporarily
Need some short term car insurance to insure a motor vehicle for a
small period of time, perhaps for as little as one single day, or perhaps for a longer time period of a few weeks or so?
Brief cover like this has changed in the UK from being expensive, complicated and difficult to get; it is only a very short time ago that one year insurance policies were pretty much all that were available but now insuring a car or light van for much smaller
lengths of time is a facility enjoyed by hundreds of thousands of motorists every year. It could not be easier to arrange your temp coverage; since it is bought online it is available at any time of day or night, seven days a week and all it takes is to fill in a short insurance proposal form, submit credit card information and driver can have the car covered right away. This means it's absolutely ideal for last-minute requirements, if you need cover for a car or van on a
short-lived basis at the last minute, or motorists can plan ahead by booking a policy up to 28 days before the date when the coverage is actually required.
It is okay whether the vehicle to be temporarily insured belongs to the person who intends to drive it, or has been borrowed from someone else, provided that it has not been hired. Limited length policies can be arranged in daily increments between one and 28 days, and there is a maximum usage of 118 days in any calendar year. Documentation is delivered by e-mail to be printed out on a home printer; since the insurance is issued for just a short period of time and the MID (Motor Insurers Database) may not be updated for as long as 48 hours after a policy is issued, depending upon the time and date when the booking is made, it is advisable to get these documents from your insurer printed and carried at all times, just in case of possible problems if the vehicle is stopped by a police officer for any reason. This is an important point since many police forces now confiscate cars as a matter of routine if the driver's insurance details are not on the MID, and that driver cannot provide assurance that coverage is in force.
Like every insurance policy there are certain terms and conditions to brief period insurance, and here are some of the main ones. Firstly, the motorist must be over 18 with a full driving licence which has been held for at least a year, and must be reasonably honest; no offences of dishonesty within the last five years and no serious motoring offences within the last three. Certainly a few scallywags accidentally 'forget' about the odd offence but most insurers do make strenuous checks before paying out on a claim so this is self-defeating. Secondly; the vehicle has to have a valuation of not less than £1,500 be in good roadworthy condition with a current MOT certificate; be unmodified from the makers specification; have no more than eight seats and must weigh less than 3.5 t GVW.
Some insurers have moved into the 21st century with temp/short term coverage, and no matter how short a period you need to insure your car for for there is probably a short policy waiting for you.
temporarycarinsurance.ws is a trading style of Prudent Plus Ltd of Booths Hall, Booths Park, Chelford Road Knutsford Cheshire WA16 8GS, which is registered in England, company number 10104295.
Quotes are provided by Sky Insurance Services Group Limited with whom we have a trading agreement only and who are authorised and regulated by the Financial Conduct Authority no. 469048. We May receive from them a commission for each policy purchased; this will not affect the premium you pay for your policy in any way.