Our guide explains all you need to know about temporary car insurance, why you might need it and how you can take out a short-term policy.

Temporary car insurance explained

You’ve likely heard about temporary car insurance but, until you come to need a short-term policy, you might not know much about it. Essentially, it’s a type of short-term cover that can be taken out for the period of time that you need it. You can choose how long your policy lasts and companies often offer temporary insurance for up to one month, or sometimes longer.

Like regular car insurance policies, temporary cover usually provides fully comprehensive insurance for the duration of your agreement. You’ll often be able to add extras onto your policy such as cover for driving in Europe or breakdown cover.

Is temporary car insurance cheaper than an annual policy?

With annual car insurance premiums rising, choosing to take out temporary cover on a borrowed car could work out as a better option for many drivers who only need a short-term policy.

To get an idea of how much temporary car insurance might cost, at Dayinsure we offer daily car insurance from £19.

If, however, you know you’ll need to use a vehicle for a longer period of time, it might be a better option for you to add cover to your existing policy or take out annual cover for the vehicle.

To find out more about the cost of annual policies, take a look at our guide to why car insurance premiums are increasing. You can also find out more about the differences between an annual policy and short-term cover.

Who can get temporary car insurance?

Whether you can get temporary car insurance depends on a few factors but, in general, most drivers can take out a policy on their chosen vehicle.

The majority of providers, including Dayinsure, insure drivers aged between 18 and 75, though some terms and conditions may vary depending on policies.

We also offer temporary car insurance for young drivers so, if you’re under 21 and have held your driving licence for at least six months, you can usually get cover.

If you’re learning to drive, there is also the option of taking out temporary car insurance for learner drivers, which provides cover on a friend or family member’s car (or your own),  enabling you to gain some experience outside of your formal lessons. See our guide to learner driver insurance to discover more.

If you want to learn more about who qualifies for short-term cover, take a look at our guide to temporary car insurance eligibility.

How long does temporary car insurance last?

The beauty of temporary car insurance is that it can last for as long or as little as you need. Many providers offer short-term policies to cover a set time period of between one and 30 days. At Dayinsure, we offer temporary cover that can last between one hour and 30 days, so you only pay for exactly what you need, when you need it. The most common time periods are one day, one week or one month.

You can usually get cover to start the same day, often in as little as 15 minutes . This makes it a good option for those emergency situations.

Some policies allow you to extend your cover if you find you need a longer policy. At Dayinsure, we allow up to three extensions and can provide cover for up to 30 days from the original date.

For more information, check out our temporary car insurance.

Reasons for taking out temporary car insurance

There are multiple reasons why you might wish to take out a temporary car insurance policy:

• Sharing the driving on a road trip
• Borrowing a friend’s car while yours is in the garage
• Borrowing a bigger vehicle for a family break
• Borrowing a larger car to move house
• Taking a car for a test drive
• Driving a family member’s car in a medical emergency as they’re unable to drive.

Our guides to the different uses of temporary car insurance and the benefits of short-term car insurance highlight even more advantages of taking out temporary cover.

While it’s often legal for a driver with a main policy to drive other vehicles under their insurance terms, it’s important to be aware that this is usually only on a third-party basis. This means that, should an accident happen, you might not be covered if you were at fault. A temporary car insurance policy offers fully comprehensive insurance, so you don’t need to worry about your level of cover.

Temporary policies can provide cover for a range of situations, making it a versatile option for those unexpected occurrences. Take a look at our guide to driving another car in an emergency for essential tips and information.

What does temporary car insurance cover?

Policies vary depending on the provider’s terms and conditions and the underwriter. If you’re taking out cover, it’s important to read your motor insurance certificate and any documents to make sure you fully understand what your policy covers you for.

Depending on the policy, you’ll normally get fully comprehensive cover for aspects such as:

• Damage to other people’s property and compensation for injury to others
• Loss of or damage to the vehicle
• Vehicle recovery
• Legal costs.

Other factors such as personal belongings and glass repair are also often covered as part of a temporary car insurance policy. It’s important that the vehicle is used only for the stated purpose to ensure that any insurance remains valid.

Breakdown cover and roadside assistance are sometimes offered as optional extras that can be added to a policy. If you’re travelling abroad, you’ll be covered third-party when driving in the EU. However, temporary fully comprehensive European car insurance can also be added to increase your level of cover when travelling on holiday in the EU.

See our detailed guide to what temporary car insurance covers.

Short-term policies and business driving

At Dayinsure, you’re covered for most day-to-day journeys within Great Britain. These might include the school run, taking a short break, visiting friends and family and running errands.

Temporary car insurance can also be used for test drives but you might also need cover for business use. Unlike some other providers, we include business use as standard, so you can commute, car share with a colleague and attend meetings knowing you’re fully covered.

What can’t temporary car insurance be used for?

All policies are likely to vary but you’ll normally find details of anything for which you’re not covered for in the Insurance Product Information Document or Policy Wording document.

Our temporary car insurance won’t cover you for things such as driving a vehicle as a learner driver or a motorhome. However, you can take out temporary learner driver cover or temporary motorhome insurance to cover these situations.

It’s unlikely that a temporary car insurance policy will cover you for driving in another country outside of the EU and, if you’re travelling to Europe, it’s worth checking the details before you set off.

Is it easy to take out a temporary car insurance policy?

Most providers allow you to apply for short-term car insurance online by filling in a few details. You’ll need some information to hand including your name, address, date of birth, occupation and contact details. You’ll also need the registration number of the vehicle you’re insuring and your British driving licence number.

You can normally get cover on the same day you apply, and even in as little as 15 minutes  in some cases. This makes it a quick option to get covered on another vehicle without having to update your original annual policy.

What about tax and MOT?

You can use one of our Aviva policies to take a vehicle without an MOT to a pre-booked MOT appointment. You cannot use a Mulsanne policy for this purpose. If the vehicle runs out of tax or is overdue for its MOT while you’re driving it, your cover may become invalid (check your policy).

It’s also worth noting that the registered keeper of a vehicle can be fined for failing to have a valid MOT or failing to tax the car.

Want to know more about whether you can take out temporary car insurance with no MOT? Our in-depth guide has more information.

Can I have more than one policy?

A temporary car insurance policy is attached to the driver and vehicle, so you’re only covered for that specific car. However, it is possible to have two vehicles covered at the same time. This is often the case for drivers who already have an annual policy for their main car but wish to make use of another vehicle for a short period of time.

It’s also worth remembering that any additional drivers will need their own policies to make sure they’re fully covered to drive the vehicle.

Some people choose to be added as a named driver on a policy instead of taking out temporary cover. While this can provide valid insurance, it can put any no-claims discount at risk and can cost more in the long run.

Take a look at our guide: Temporary car insurance, do I need an underlying policy?

How does temporary car insurance affect no claims discount?

Because temporary car insurance is a separate policy, any claim you make while driving the borrowed vehicle won’t affect the owner’s policy or their no-claims discount. Similarly, if a friend has an accident while using your vehicle then, as long as they have their own policy, your insurance won’t be affected.

Taking out short-term cover therefore can be a good way to give you and the other person peace of mind that their main cover won’t be affected, even in the event of an accident.

What is the best temporary car insurance?

There are many providers of temporary car insurance, all offering slightly different variations of cover, so it’s impossible to say which is the best as it depends on your particular needs.

When looking for the right cover for you, make sure you choose a policy that covers your requirements, whether that’s driving for work, going abroad, taking a test drive or simply ferrying the children. Not all policies are the same and, sometimes, your needs might require specialist cover such as temporary motorhome insurance or learner driver cover.

You’ll also need to make sure that you can take out cover for the length of time that you need it, whether that’s hours, days or even a few weeks. It’s wise to check that your insurance provider is registered with the Financial Conduct Authority (FCA) so you can be sure you’re getting a regulated product.

Take a look at our detailed guide on comparing temporary car insurance cover before choosing your policy.

Temporary car insurance from Dayinsure

At Dayinsure, we offer temporary car insurance that covers a range of situations, including business use. You can choose the length of cover, from one hour up to 30 days, making it one of the most flexible options on the market.

It’s easy to get a quote and you could be covered on the car of your choice in as little time as 15 minutes.

Why not check out our variety of guides and news in our dedicated help and support page, featuring essential driving tips, learner driver information and all things insurance?

The post What is temporary car insurance? appeared first on Dayinsure.

Can I get temporary car insurance?

You might want to take out a temporary car insurance policy if you’re borrowing a car for a trip, sharing the driving with a friend or if yours is in the garage. In fact, there are a variety of situations where you might need temporary cover for a set period of time.

Our uses of temporary car insurance guide features a list of the reasons why you might choose to take out short-term cover.

But how do you know if you’re eligible to take out temporary insurance? Most providers have a list of acceptance criteria which tells you whether you’ll be eligible for a policy. These include factors such as:

• Your age: most companies offer temporary car insurance for those aged between 18 and 75
• Your driving licence: you’ll usually need a full GB driver’s licence. In many cases, you’ll need to have held this for a minimum of six months. At Dayinsure, if you’re over 25 you’ll only need a minimum of three months as a fully qualified driver
• Address: you’ll need to have a permanent UK address
• Penalty points: many providers require that you have a maximum number of penalty points, which can vary depending on their terms.

Criminal convictions: companies often require that temporary car insurance customers have do not have any unspent criminal convictions (except motor offences). Read our guide to temporary car insurance for convicted drivers to find out more. Of course, it goes without saying that you’ll need permission from the vehicle owner to drive their car.

Check out our other guides to for some essential tips and advice.

Can I get temporary car insurance on any vehicle?

Usually, most cars can be covered with a temporary insurance policy. Dayinsure’s criteria state that the vehicle:

• Must be registered in Great Britain (Aviva policies extend to NI and Isle of Mann)
• Has a current market value of under £75,000
• Must be less than 3.5 tonnes gross vehicle weight (GVW)
• Is not a HGV
• Has an engine size of 3999cc or less
• Has no engine modifications or body kits (excluding manufacturer extras or those fitted for mobility assistance)
• Has no more than eight seats (seven, if we offer you a Mulsanne policy)
• Is not a hire or rental vehicle
• Has not been imported from another country
• Is not seized or in a police compound.

Other providers’ vehicle criteria might vary so it’s important to check the details before insuring a car with temporary cover.

Can I get temporary car insurance on a friend’s car?

As long as you and your vehicle meets the acceptance and underwriting criteria, and you’ve been given permission to borrow the car, then you should be able to take out temporary car insurance on a friend or family member’s car. It’s important to check that the car you’re looking to insure is taxed and has a valid MOT certificate.

Take a look at our guide to borrowing a car from friends and family in Great Britain.

Can I get temporary car insurance without main insurance?

While you do not need an annual, or main, insurance policy to take out temporary car insurance, any vehicle needs to be insured, or registered as SORN, at all times.

Temporary car insurance can be an ideal form of cover if you’re between policies or know you’ll only have use of a vehicle for a short period of time. Most policies provide fully comprehensive insurance, so you’ll get the same level of cover as that of an annual policy.

You don’t need main insurance to take out temporary cover but the owner of the vehicle must ensure that the car is insured at all times, regardless of who’s borrowing it.

Can I get temporary car insurance at 18?

The minimum age for taking out temporary cover can vary depending on the provider but most, including Dayinsure, insure drivers aged from 18.

Eligibility criteria are often different for vehicles such as vans, motorhomes and campervans. Learner driver insurance is usually available for learner drivers aged 17 and over. At Dayinsure, we provide temporary learner cover for those aged between 17 and 50 so, if you’re learning to drive and want some experience in a family member’s car (or your own),  our short-term learner cover is ideal.

Can I get temporary car insurance if I’ve just passed my test?

This depends on the company’s terms and eligibility criteria. Many providers will want you to have had your full licence for a minimum of three to six months, often depending on your age.

While temporary learner driver insurance is a great way to get cover when learning to drive, it’s important to remember that, once you pass your test, your policy is no longer valid. If you’re planning on driving the vehicle once you have your full licence, it’s vital that you take out the right insurance to cover this.

I’ve been refused temporary car insurance, why is this?

If you’re wondering why you can’t get temporary car insurance, it could be due to one of a few reasons relating to eligibility or the vehicle itself.

It’s important to ensure you meet the insurance provider’s criteria and the vehicle fits the requirements. Some of the main reasons for not meeting the eligibility include:

• Being a new driver
• Your age
• Your occupation
• Having driving convictions
• Vehicle modifications
• A vehicle worth over £75,000
• Having been refused car insurance previously.

There might also be other reasons for being refused short-term cover. In most cases, it’s up to the underwriter to decide on terms and conditions so the temporary car insurance company might not be able to give you any more information.

For more information, take a look at our guide: Uses of temporary car insurance.

How to check your eligibility

Most temporary car insurers include a list of criteria on their website which will help you work out if you’re eligible to take out short-term cover. Dayinsure’s Aviva and Mulsanne acceptance criteria can be used  to assess your eligibility for car, van and motorhome cover.

Fully comprehensive, temporary cover for most drivers

Our temporary car insurance covers most drivers and the majority of vehicles and can be taken out for a set period of time, from one hour up to 30 days. You can take out a policy alongside annual cover or as a standalone policy if you’re borrowing a car from someone else.

It’s easy to get a quote online and you could be covered in minutes.

To discover more tips on taking out temporary cover, essential driving advice and helpful guides, head to our Help and Support page .

The post Guide to temporary car insurance eligibility appeared first on Dayinsure.

In this guide, we talk about the benefits of temporary learner driver insurance so you can make a decision and get the right insurance for you. So, what are the benefits?

You have more control over when you learn

One benefit of temporary learner insurance is the ability of the learner to get on the road as quickly as possible to improve their skills and enjoy driving. Without learner insurance, you might be left waiting for your once-weekly lessons. This isn’t the best way to learn and those who have already been bitten by the driving bug will want to get behind the wheel as often as possible. Learner insurance means you can practise exactly when you want to.

You can get extra practise in your own car

With temporary car insurance for learner drivers, you can also get in lots of extra practice, improving your skills quickly and reducing the amount of time you have to wait until you can become a fully qualified driver. Better still, if you already have the car that you will be driving once you have passed your test, you can start practising in this vehicle right now. Why only practise in your instructor’s car when you can get familiarised and use the very vehicle you will actually be driving? Think ahead and opt for learner driver insurance in your own car.

You might need fewer driving lessons as a result

If you opt for learner driver insurance, there’s a chance you can even reduce the number of driving lessons you will need. With your own provisional insurance, you can practice every day if you want to, which will advance your skills at a much quicker rate. As a result, the number of lessons you will need to pay for from an actual instructor will be far fewer. Not only is this a nice benefit money-wise (after all, who wants to keep forking out for driving lessons), but you also don’t have to worry about constantly planning for lessons and interrupting your normal schedule. Temporary learner insurance is definitely the convenient option to take.

READ ALSO: Learner driver insurance: What you need to know

You can learn from a friend or family member

Some people will like the idea of learning from a friend or family member. Learning to drive can be quite daunting at first, so having a friendly face alongside you can be a big help. With learner insurance, you can spend time behind the wheel with your dad, mum, or whomever else you would like. This doesn’t have to be only in between official lessons either. If you want to, you can forgo lessons from an actual instructor, and learn from a friend or family member. Then, once you are ready, you can take your test.

It gives you flexibility

Temporary learner insurance provides incredible flexibility, and this is one of its greatest benefits. You don’t need to take out cover for endless months on end, you only have to pay for the cover you need. Temporary learner insurance can be taken from as little as 1 day to 5 months. Want to take a break from learning to drive for a while? No problem. Do you want to get in some last-minute practice? Easy. Just apply for a quote and you can be behind the wheel in minutes. Learner driver insurance for a day, or however long you need it, gives you the flexibility to drive as much or as little as you want without the hassle of a long-term commitment.

Avoid being named on another person’s policy

The alternative to learner driver insurance, if you want to practice without an instructor and their car, is to be named on another person’s annual policy, such as your mother or father. This will allow you to practice in their car. However, this isn’t the most ideal scenario as if an accident should occur, the policy holder’s no-claims discount will be impacted. While with temporary car insurance, you are the policyholder, so you don’t have to worry about anyone else’s policy or affecting their future premiums.

READ ALSO: Temporary car insurance glossary and jargon buster

How to get learner driver insurance?

Does learner driver insurance sound like the right choice for you? Getting covered is easy. All you need is:

• your name, UK address, date of birth and email address
• the vehicle’s registered keeper’s information
• your provisional GB driving licence number.

Then you can apply for a quote and be covered in as little as 15 minutes.

Temporary learner insurance from Dayinsure works in a similar way to our regular temporary car insurance, so if you are looking to get your child covered as they learn and have used Dayinsure before, it’s the same easy process.

The benefits of learner driver insurance

• you can get on the road quicker
• you can get extra practise in your own car
• you might need fewer driving lessons as a result
• you can learn from a friend or family member
• it gives you flexibility
• avoid being named on another person’s policy.

So, what are you waiting for? Enjoy all the benefits of learner driver insurance and get covered today.

The post What are the benefits of learner driver insurance? appeared first on Dayinsure.

What are the differences between annual and temporary car insurance?

Cancellation Rights

Cancelling an annual car insurance policy for whatever reason can be an arduous process that often involves cancellation costs as standard. For those who aren’t certain they’ll need a full year’s use – maybe you are thinking of going travelling and will leave your car at home or perhaps your vehicle is on its last legs – this can be a hard pill to swallow.

However, with a temporary car insurance policy, you are able to cancel your cover at any time and, provided you’ve made no claims and haven’t been involved in any incidents that might give rise to a claim, you can even get your money back on the unused premium.

For learner drivers, our temporary learner driver insurance offers the same perk. So, if you were to pass before your policy elapses, we’ll refund you the difference!

Levels of Cover

You’ll likely know that, when taking out an annual car insurance policy, you choose between varying levels of cover including third party, fire & theft; social, domestic & pleasure and fully comprehensive. You’ll often find a jump in policy price between each level, as the level of cover you receive increases also. Unfortunately, you can’t see into the future and, although it can be more friendly on your wallet to go for a simpler policy, you may end up paying more in the long run if an accident occurs.

When it comes to the temporary policies that we offer at Dayinsure, whether for personal use or business cover, you’ll ALWAYS receive comprehensive cover as standard. Not only does this take out the need to choose between varying levels when taking out the policy, but it also means you know that you are getting the full level of cover available.

READ MORE: Temporary car insurance glossary and jargon buster

No Claims Discount

When you are added to another person’s annual policy and if you were to make a claim on it, not only would this affect your no claims discount but the car owners too. A good no claims discount can make a big difference to the price of an annual policy and so, doing the most to preserve this is essential.

If you choose, instead of being added to an annual policy, to take out a temporary policy instead, the car owners no claims discount will not be affected in the event of an accident. This can help to save the vehicle owner money in the long run.

Child Seat Cover

Having a reliable car seat is a must for any parent. Depending on your level of cover, your child seat might not be covered with an annual insurance policy. This is something that is often not included with more basic levels of cover and so you might end up paying more to get your children’s car seats insured.

With a temporary policy, in the event of a claim, any child seats in the vehicle will be replaced whether there is apparent damage or not. We know the last thing anyone wants after an incident is to pay out for a new child seat or worry that the one they’ve currently got might not work properly if another incident occurs.

Quick cover

With the large range of price comparison sites to search and policy details you need to fill in, taking out an annual car insurance policy is no small feat, and you might need to dedicate a good few hours to get the right policy for you for the best price. Especially if you are a new driver, spending time trying to find the most cost-effective policy (and using tricks like adding your parents to your insurance policy to bring the price down) can take a great deal of time.

With temporary car insurance, this time is taken out and you can get straight on the road in as little as 15 minutes. Just enter some simple information and your policy will be started, letting you worry more about the more important things in life.

The differences between annual and temporary car insurance

For those who have access to a car but don’t need to use it all of the time, a temporary car insurance policy can not only make a big difference to the cost but can offer some great advantages over an annual policy. From a simple set-up to easy cancellation (and your money back), from the beginning of your policy to the end, you’ll see the benefits.

READ MORE: What are the benefits of temporary car insurance?

For more guides and insurance advice, make sure to visit our help and support page.

The post Annual vs Temporary Car Insurance appeared first on Dayinsure.

The post Can I use your insurance to take my car or van to an MOT? appeared first on Dayinsure.

With the desire to protect the environment and secure our future becoming more important, many of us are rightly looking towards driving an electric car or hybrid vehicle. These environmentally friendly options are becoming more common on our roads as each day goes by and this will only continue.

But how does temporary car insurance work for electric cars and hybrids? Is it as simple as insuring any other car? If you are looking to borrow an electric car or a hybrid in the future, read on to discover all you need to know about getting insured.

Can you get temporary insurance for electric cars and hybrids?

Yes, it is certainly possible to get temporary insurance for an electric car or hybrid. Hybrids are much like normal vehicles and electric cars are becoming increasingly popular. As a result, most car insurance providers will be able to offer you comprehensive cover – though you will need to find a temporary car insurance provider if you only want hourly car insurance.

With the UK government moving forward with a ban on the sale of pure internal combustion engine cars from 2030 (while allowing the sale of hybrid vehicles until 2035), electric vehicles (EVs) are only going to become more prevalent and therefore the need for electric car insurance, including temp cover, more common.

READ ALSO: Comparing temporary car insurance

Is car insurance different for electric cars and hybrids?

Car insurance works in the same way for electric cars and hybrids as it does for petrol and diesel cars. The principle remains the same in that the cost of insurance varies from person to person and from car to car. With key details including your age, your driving history and what kind of car you are driving. The only difference you are likely to find is the cost of your insurance premium.

While electric cars do work quite differently from normal cars in terms of how they are powered, getting the car insured is achieved by the same process. You will just need to be prepared to pay slightly more for your insurance premium – though parity on this front will likely be achieved in the years ahead.

The same goes for hybrids. Hybrid vehicles aren’t all that different from other cars, being that they utilise petrol engines but retain the ability to drive using an electric motor. As a result, getting temporary hybrid car insurance is no different from insuring any other vehicle.

How do you get temporary insurance for electric and hybrid cars?

If you want to get short term car insurance for an electric or hybrid car, you will simply need to go to a company like Dayinsure – providers of cheap temporary car insurance – and request a quote. It’s easy to do, all you need is:

• your name and UK address
• date of birth
• email and occupation
• the registration number of the car you want to drive
• your GB driving licence number.

With Dayinsure, cover can start in as little as 15 minutes. Just fill in our form (there’s a link at the bottom of this page) and let us know how long you want your temporary cover to last. Our options range from 1 hour to 30 days.

READ ALSO: What do you need to insure a car?

Is it cheaper to get an electric or hybrid car insured?

As electric cars are good money savers when it comes to their economy, you might also be wondering if electric cars are cheaper to insure.

Though we all know that electric cars are eco-friendly, historically they haven’t always been friendly to your wallet when it comes to insurance prices. While electric vehicles can sometimes be less powerful than a petrol or diesel car (smaller cars tend to be cheaper to insure), they do tend to be more expensive to get insured.

This is a trend, however, that is changing over time. Early adopters of electric cars traditionally found that car insurance costs weren’t cheap due to insurers not being able to rely on historic data when it comes to repairs. But as this changes over time and EVs become more affordable to purchase, premiums for electric cars are becoming more reasonable.

While electric cars tend to be more expensive to get insured in the present day, car owners find that some of these costs are recouped thanks to being cheaper to run than their petrol and diesel counterparts. So, it’s not all bad news.

How about hybrid cars? Insuring a hybrid car is much like insuring any other kind of car when it comes to the cost of insurance. It will vary from model to model, with those cars with better safety features being cheaper to insure than many petrol or diesel cars.

MORE HELP:

New to the world of insurance? Or do you just want some clarification on typical car insurance jargon like ‘no claims bonus’? Make sure to explore more guides and insurance advice on our help and support page.

The post Temporary insurance for electric cars and hybrids appeared first on Dayinsure.

It could be that your car won’t start, and you need to borrow your partner’s vehicle to get to work for an important meeting, or that you’re visiting friends, but the designated driver has fallen ill so you need to get behind the wheel. Whatever the situation, the cheap temporary car insurance we provide for emergencies offers the perfect solution for short periods.

What is emergency car insurance?

Emergency car insurance is simply cover for your car that you need in an emergency, something temporary to get you through a tricky period. We discuss some examples of when you might need such insurance in the sub-section below.

All of our car insurance policies are underwritten by Aviva, our key partner, or other insurers. If you require car insurance for emergencies, then the fact that you can get your insurance certificate in about two minutes by applying online and your comprehensive cover will start within 15 minutes of making a booking is ideal.

When do you need emergency car insurance in the UK?

There are various situations when a person may require cheap emergency car insurance:

• your car won’t start so you need cover to drive a friend or family member’s vehicle
• your car has been stolen so you need to borrow a vehicle
• a relative needs to borrow your car
• to give a learner driver a quick lesson
• the driver is ill or unable to drive back so you need insuring for an hour or two
• you are a non-car owner who has to make a sudden journey such as for a job interview.

Plenty of other reasons for requiring emergency car insurance exist as well. It doesn’t have to be just for a car either, we provide temporary van cover and motorhome insurance for use in emergencies.

The emergency car insurance is flexible to cover anywhere from one to 30 days for drivers aged 18 to 75. If it’s learner driver emergency insurance, then this is available for 17 to 75-year-olds for periods of two hours to five months.

How to choose the right emergency car insurance coverage

Emergency cover is super flexible so depending on the emergency at hand, you will be able to decide exactly what you need. Choosing the right emergency cover is completely unique to your situation so make sure to pick something that is customisable and that doesn’t take very long to set up.

As mentioned, ours takes just 15 minutes from making the booking. If you think that you will need any extras, such as breakdown cover, make sure that you have requested that too.

Is temporary or annual car insurance better for emergencies?

All drivers require car insurance, no matter when you are driving, you must be covered. But when it comes to emergencies, is it better to opt for temporary or annual cover?

As a driver, you will know that setting up annual insurance can take some time, so this isn’t exactly ideal for an emergency. On the other hand, short term car insurance can be set up in a matter of minutes.

The flexibility also makes temporary short term cover the right choice. If you only need to drive for a few hours or days, getting annual insurance will be a waste of money when you could simply get covered for the exact length of time you require.

Also, if you don’t use all of your policy, we’ll refund you for the days you don’t use. For example, if you buy 7 days but use 2, you can get a refund for the unused time. So, save time and cash by opting for temporary car insurance cover.

Can I adjust an existing policy to get emergency cover?

While you certainly can adjust an existing policy and this will be cheaper than taking out annual insurance, it’s not the ideal solution by any means.

If you add a new driver to an existing policy, this counts as ‘Mid-term Adjustment’ which incurs additional fees and can even cause the policy holder’s premiums to go up.

Further still, if you were to get into an accident while driving under someone else’s policy, they would lose their No Claims Discount.

However, opting for your own, temporary emergency cover will mean that no one else’s policies are impacted, and you get the exact insurance you need.

What you’ll need for emergency car insurance

Get a quote for emergency car insurance below. To receive a quote, you will need to know:

• your full name and D.O.B
• address, telephone number, email
• your occupation
• GB driving licence number
• registration number of the car to be insured.

Then simply decide how long you want the cover for, when it will start and any add-ons (such as European or breakdown cover). To purchase car insurance for emergencies you then need your payment details (debit or credit card).

Then you’re done in a matter of minutes and the cover can begin in as little as 15 minutes.

The post Emergency car insurance appeared first on Dayinsure.

Can you insure a car for a weekend?

If you need two-day car insurance for a weekend, our short-term cover options are perfect. Allowing you to take our comprehensive cover in as little as 15 minutes, it’s an easy way to get yourself insured before the weekend, whether you’re going on a long weekend away driving around Europe or just car-sharing whilst your usual vehicle is in the garage.

Sometimes your day-to-day car might not be big enough for what you need and borrowing a van may be the easiest option. As well as cars, whether you want to borrow a van to move house or just transport a large, heavy item between households, we offer temporary van insurance, making the process much easier. If you only need to borrow a van for a small amount of time but aren’t insured to cover it, taking out a quick and easy insurance policy is much quicker and easier than trying to amend your or the van owner’s annual insurance policies.

Looking to get away on a road trip and want to borrow a campervan from some friends or family for the occasion? We also have temporary motorhome insurance ready for purchase which can make your trip a breeze. We know that you don’t want to spend your precious time organising insurance when you could be enjoying your stay-at-home holiday and with our quick-to-buy cover, you don’t have to. There are many benefits to temporary car insurance which can be found in our guide.

Can you insure a car for weekends only?

Whether you are a student looking to borrow your parents’ car on a few weekends when they aren’t using it, or just want to split the driving with a friend, our weekend insurance is perfect. You can choose to take out up to a month’s worth of cover if you please, or, if you just need cover on Saturdays and Sundays you can arrange that too.

Provided the car is annually insured by someone else, you are able to take out temporary weekend car insurance policies as often as you need. This is great when you don’t want to amend an annual policy, or don’t know how much you’ll need to use the vehicle.

Benefits of weekend car insurance

Weekend car insurance can be arranged easily and start within 15 minutes of procuring your cover. So even if you leave it to the last minute or need quick, emergency cover, it’s fast and simple to organise.

Whether you are visiting a friend or family member and want to borrow their car during the trip, or your usual vehicle is in the garage over the weekend, short-term car insurance means that you don’t need to tackle the arduous process of amending your annual insurance policy and the high prices that can entail. Simply pay for the cover you want and get driving in minutes.

Cover can be arranged and provide motor insurance for a regular or long weekend (or even up to 30 days if you need more time). Our policies are standalone, which means should you have an accident, your annual insurance policy and  No Claims Discount will be unaffected.

Should you be planning on a weekend abroad, European cover is an optional extra, along with additional drivers if you need to share the responsibility and breakdown cover. If your annual insurance policy doesn’t cover you for European road trips, then adding on our temporary insurance can mean you get the comprehensive cover you need without the annual price tag.

Who is eligible for weekend insurance?

Weekend insurance is available for:

• all drivers between the ages 18-75 (subject to underwriting and vehicle criteria)
• most vehicles that are registered in England and the UK

Check out our car insurance acceptance criteria for the full list of requirements.

Also, if you are learning to drive and want to practice in a friend or family member’s car for the weekend, we offer learner driver insurance which can cover you for short periods and let you get some driving experience.

How do I apply for weekend insurance?

In order to apply for a quote for temporary cover, you need:

• the Vehicle Registration Number of the car
• your name, UK address, date of birth, email address, and occupation
• your GB driving licence number
• your payment details.

Taking out a temporary insurance policy with Dayinsure has never been easier thanks to our car insurance app. Letting you take out a policy on the go, the Dayinsure app is great for those who often need temporary car insurance. You can pre-save all of your details and information making taking out a quote even quicker, and you are even able to access all of your on-going temporary policies at the touch of a button.

Alternatively, you can take out a quote online by filling out our quote form. It is still quick and easy and we can email all of the information you need so you can be on the road as soon as possible. You can even prearrange cover, so if you know you’ll need to borrow a car at some point in the near future, set your policy up in advance so you don’t have to spend any time doing it on the weekend itself.

For more information on our temporary car insurance policies, head over to our Help and Support page. Whether you have just passed your test and are looking for car insurance for young people to give you some practice solo driving in a friend or family member’s car, or you are selling your car and want to make sure you have test drive insurance set-up for potential buyers, our guides can help.

We also have a news centre that is frequently updated with useful articles on everything from the best car products to buy to studies about the UK’s driving habits.

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When you just need short term cover, putting in the time and effort it takes to get an annual policy can not only be expensive, but it can be needless. Whether you are just looking for cheap one day car insurance for under 21s, or you are looking for 30 days of temporary cover, we can help.

What is a young driver?

According to the Department for Transport, a young driver is one between the ages of 17 and 24 years old. In most cases, any driver under the age of 25 will face a higher policy cost because of their age. In fact, Money Saving Expert claims that the average driver pays an annual premium of almost £800, and under 25s pay £1,400 on average – almost double!

Why do I need temporary car insurance for young drivers?

Whenever you are driving, you need to be insured. Although you can get annual policies, on the occasion where you are driving a different car for short periods, getting temporary insurance is more cost-effective and quicker.

When would I need temporary car insurance for young drivers?

• you are test driving a car before purchase
• you are borrowing a car for an errand/journey
• you are practising driving in a borrowed car after passing your test
• you are borrowing a larger vehicle for a house move or road trip
• you are sharing the driving on a long trip
• you have a gap between your annual policy ending and another starting
• you are taking a new car home after purchase.

If you are currently a learner driver and want to learn to drive in your own car, or a friend or relatives, our provisional driver insurance is available for those 17 and above and can be arranged for everything from one day, to five months.

What are the benefits of temporary car insurance?

Whether you only need day insurance for under 21s or are looking for something a little longer, there are plenty of benefits to a temporary policy.

Benefits of temp car cover for young drivers:

• your No Claims Discount won’t be affected if you have an accident
• the car owner’s No Claims Bonus won’t be affected in the case of an accident
• all cover is fully comprehensive
• cover can be set up in as little as 15 minutes
• cover can be pre-arranged.

Can you get temporary car insurance if you are under 21?

Yes, our comprehensive cover is perfect for most drivers aged 18 – 21. All you need to provide is your name, date of birth, email address, the car registration and your driving licence number. The process is quick and easy, can be organised before the cover needs to start or on the day, and makes light work of arranging short insurance cover for under 21s.

Can you get temporary car insurance for 17 and 18-year-olds?

Unfortunately, we do not offer insurance to 17 year olds that have passed their test, only 17 year old learner drivers.

How much is temporary car insurance if I am under 21?

The price of your policy can change depending on a range of factors, including your location, your occupation and the car you drive. The best way to know how much temporary insurance will be is to get a quote price for the length of time you need.

How to get under 21 temp car insurance?

Getting short term car insurance when you are aged under 21 is a simple process. To receive a quote, all you’ll need is:

• your name, DOB, address and email
• your occupation
• the registration number of the car you want to insure
• your GB driving licence number.

You’ll also need to tell us the length of time you want cover for, when it needs to start and whether you want any add-ons, like breakdown cover.

Then, once you’ve received your quote you can purchase it using a debit or credit card.

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Since you only pay for the cover you need, temporary car insurance to drive in Europe is a cost-effective option when insuring your car.

Does your car insurance cover you in Europe?

Does my UK car insurance cover me in Europe?

Before your trip starts, organising the proper insurance is imperative. The best way to check if your current annual insurance covers you to drive is to call your insurance provider. They will be able to explain to you whether your current policy extends to cover across EU countries and Europe.

Do you need extra insurance to drive in Europe?

Even if your cover does extend to driving in Europe, you may want to look into purchasing extra European cover insurance to get comprehensive cover. Depending on your insurance provider, overseas cover may only extend as far as third-party cover and if there is an accident you may still end up paying big. By purchasing short term EU car insurance, you can guarantee you are fully covered, giving you peace of mind.

How does temporary European car insurance work?

What do I need to get cover?

To be eligible for our temporary European car insurance, you must:

• have a valid GB driving licence
• be aged between 18 and 75 years
• have a current, permanent address in the UK.

For more information on who is eligible for insurance, be sure to consult our car insurance acceptance criteria.

How long can I get cover for?

Whether you are travelling for a week, 30 days or just looking for day insurance, European cover from Dayinsure can make sure you have motor insurance for the exact duration of your trip. If you are just popping over to France for a day, our 1-day European car insurance can help, but for longer trips, our short term car insurance can extend to 30 days (although additional policies can be taken out to cover you for longer).

Things to know before driving in Europe

Can I drive in the EU with a GB driving licence?

A GB driving licence will mean you are eligible to drive elsewhere, however, you may also need an international driving permit. Known as an IDP, whether or not you’ll need a permit will depend on where you are travelling and for how long, but if required it is essential that you have one.

Consult the Gov website to find out whether you will need a permit.

What additional features do I need to drive in Europe?

Depending on where you drive, you may need additional features or some additional accessories in your vehicle when travelling in Europe. For example, in many European countries you’ll need to display a GB sticker on the back of your vehicle. You may also need other things like a hi-vis warning triangle or breathalyser kit, depending on where you travel.

What are the best European countries to drive in?

Wondering which countries you should visit on your European road trip? To help you narrow down your wish list, in our article, the best European countries to drive in, we ranked each country on a range of factors to discover the best, ready for you to craft the perfect road trip itinerary. The rankings of each nation take into account criteria such as road length, quality of roads, and vehicles per 1,000 people. So, if you are looking for your next destination, check out the rankings and then pick up some temporary European car insurance.

How should you drive your car in Europe?

Europe is a big place, and from country to country there are a lot of changes in driving style, driving laws and terrains. If you are about to take your first trip to Europe, or perhaps just want to brush up on your skills before your next exploration.

Our temporary car insurance options are fantastic for your needs. Whether attending a conference in France for business or organising a month-long European road trip, we will be able to insure you so all you need to worry about is where to visit first.

Help and support for driving in Europe

If you visit our Dayinsure Help and Support page, you will find a whole host of helpful articles, documents, and instructions on all things temporary insurance. So, if you are planning your first road trip abroad and have never had to get temporary insurance before, make sure to visit this section. If you would like any further assistance, you can also get in touch with us via Live Chat or email us on support@dayinsure.com.

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