Short term car insurance uk 3 months

There are various reasons why you might need temporary car insurance in this day and age when you think about it.

Perhaps you’ve been invited to attend for an interview on the other side of the country and, not wanting to rely on the dubious train services or your own unreliable car, you instead ask your friend if you can borrow theirs for the trip.

Same rules apply if you’re leaving university and returning home, and know for a fact that your rapidly ageing Renault Clio isn’t up to the trip. Nor is it spacious enough to accommodate your worldly goods AND your university mascot.

Alternatively you may have just splashed the cash on a new car and require cover to get you home from the dealer, or until the renewal date of your existing car’s policy is up.

Or maybe you’ve agreed to move an item of furniture for a friend, only to realise that the Welsh dresser doesn’t fit into the back of your Smart car after all; and therefore you need to lend your dad’s seemingly Tardis-like Volvo estate.

Of course, some people’s minds might turn to short term vehicle hire when met with scenarios like these, only hiring a vehicle is not always the cheapest option.

Otherwise known as ‘short term car insurance’, temporary car insurance is necessary for anyone looking to borrow someone else’s car for a transient period of time. By borrowing we mean having a friend, family member or work colleague offer you use of their vehicle as opposed to hiring a car from a reputable vehicle hire company, just to clarify.

The lion’s share of temporary car insurance policies are fully comprehensive in terms of standard of cover, which protects all parties to all ends rather than simply relying on third party only preservation. Another assurance from the borrower’s perspective is that in the event of an accident occurring while their car is driven by a third party, the benefactor’s no claims bonus won’t be affected according to many leading insurers. However it’s crucial that you check this with your insurer beforehand to be on the safe side.

Annual insurance can be costly – particularly if you don’t drive that often. A three month car insurance could be a more cost-effective option if you only need to drive for a month, and whatever your requirements, BuyMyCover can provide the cover that you are looking for at a highly competitive price.

We can give you an estimate for temp cover right now! Just say how long you’ll need cover for, and we’ll give you a guide price.

Of course, you’ll have to enter a few more details to get an accurate quote. Car insurance prices are influenced by a number of factors, including your age and where you live. Your occupation also affects the price too.

Short-term cover shouldn’t impact your existing policy. That’s as long as the details you provide are correct and you’re driving within the arranged policy start and end date.

If the policy is valid, any accidents that happen should be covered by the temporary car insurance policy.

This shouldn't affect any existing no-claims bonus you or the car owner hold, but you will have to declare any claims or accidents when getting a new policy, or renewing in the future. You must always disclose any claims or accidents when getting future cover.

Safely Insured compares quotes from the UK’s leading temporary insurers, you can find the right policy for a price that suits you. Comprehensive cover from 1-84 days for drivers between the ages of 19-75, Also offering Impound & Learner Driver Cover.

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Eligibility

Available DirectAvailable OnlineMinimum Age19 yearsMaximum Age76 yearsPermanent UK Resident

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Sterling Short-Term Car Insurance

European cover

Third party only as standard

Policy term

1 day to 30 days

Standard excess

Varies

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Download Sterling's short term app. Sterling's temporary car and van insurance offers the same protection and level of cover of an annual policy, and is brilliant value for money. Sterling covers a wide variety of vehicles and drivers aged 21 or over.

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Eligibility

Available DirectAvailable OnlineMinimum Age21 yearsMaximum Age79 yearsPermanent UK Resident

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Goshorty Short Term Car Insurance

European cover

None

Policy term

1 hour to 28 days

Standard excess

Varies

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Comprehensive cover from as little as one hour up to 28 days for drivers aged between 18 & 75.

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Eligibility

Available DirectAvailable OnlineMinimum Age18 yearsMaximum Age75 yearsPermanent UK Resident

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dayinsure.com Short Term Car Insurance

European cover

Third party only as standard

Policy term

1 hour to 30 days

Standard excess

£250

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For peace of mind all dayinsure's temporary insurance policies are underwritten by Aviva, their key partner, or other insurers and breakdown cover is provided by RAC. Dayinsure covers drivers aged 18 to 75 and is available for Cars, Vans and Motorhomes.

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