What is Temporary Car & Van Insurance?
Temporary insurance is the ideal insurance solution for a car and van drivers looking for short term insurance that’s quick and easy to purchase and flexible enough to suit a number of everyday situations.
From simply borrowing a car to learning to drive to insuring new employees in a small business, temporary insurance can help you get the cover you need to get on the road in minutes.
While insurance is a legal requirement for all drivers, thankfully there are different insurance options depending on your needs. If you’re looking to use a car you’re not already insured to drive, temporary cover can give you the insurance you need for the duration you want.
Maybe you’re looking to borrow a car and the owner is worried about the impact on their existing insurance? Short term insurance is a separate, standalone policy that won’t impact their existing policy, and, importantly, their No Claims Discount won’t be affected if you need to make a claim.
Temporary Insurance can run from a single day for as long as you need it. It’s a great way to get fully comprehensive cover when you need it temporarily, giving you complete peace of mind.
Our partners offer cover to drivers from a choice of short term insurance policies, so you can be confident that you’ll find the level and length of cover that’s best suited for your needs.
Owning and driving a car means taking on many risks to yourself and others. When a traffic accident happens, damage, injuries, loss or all of these factors may be inflicted upon you and others. Damage and loss of your property may also occur. Fire, theft, vandalism and natural disasters are other possible risks.
Motor insurance is a contract between you and the insurer, specifying each party’s rights and obligations. Essentially your insurer promises to provide specific coverage for you in return for your payment of premium.
Insurance companies provide motor insurance through insurance policies. The policy is a contract between you and your insurer, specifying each party’s right and obligations. Essentially, your insurer promises to provide specific coverage for you in return for your payment of a premium.
Motor insurance is designed to protect yourself and others against these risks. It provides financial cover and can also offer other services (eg. A hire car if your vehicle is under repair from accident damage) when the need arises.
Why do I need it?
It’s the law! The minimal legal requirement to drive in the UK is Third Party Only, this insures against loss and injury to others. If you are the cause of an accident the insurer will pay your liability to other people involved in the accident.
Important: Third Party Only does not cover for damage, loss or theft of your own vehicle or possessions.
What’s the right policy for me?
You need to find a sense of balance between coverage and cost. Figure out the suitable level of coverage by consideration by the following factors:
- The value of your possessions you must protect.
- The value of your vehicle.
- The amount of money you’re prepared to spend
- Your tolerance of the possible risks.
- The insurer should fit your policy to your personal needs.
Buying your policy
To ensure you are getting the best possible deal, shop around, evaluate and compare all the appropriate policies that provide the cover you need. Think about policies in terms of price, coverage, excess, flexibility and the reputation of the insurer.
Our partners can reduce the amount of time and money you spend on this by accessing literally 100’s of policies from the UK’s most economical and respected insurance providers, giving you the most competitive quotes immediately online.