There are many occasions when you may need a Short Term Insurance policy. Usually this can be planned, but there are times when you need short term motor cover urgently, or in an emergency.

Often people will need Short Term Car Insurance during holiday periods. This may be required to share the driving on a journey, or to borrow a car that has a feature that your car doesn't i.e. a tow bar etc. Sometimes you may need to add an additional driver for your own car, or you may need Short Term Car Insurance to borrow a friend’s car for holidays abroad. Often this is because the borrowed car is more reliable or has greater capacity to carry passengers and luggage.

Another example of a planned use is buying a car from an auction or private sale where you need temporary car cover to drive the vehicle away, or to test drive a car you may be thinking of buying. It could be as simple as trying out another car belonging to friends or family.

Students often create problems when they come home from university and need to drive their parent’s car whilst at home. Relatives visiting from abroad who hold a UK or EEC licence can buy temporary motor insurance to borrow your car to get about, instead of incurring hire car charges. The need for short term insurance can be as simple as your son/daughter wanting to borrow your car without having to put them on your annual motor policy, and putting your no claims bonus at risk.

There are occasions when you need to borrow a larger vehicle to move bulky items, or borrow a van to move furniture during a house move. You may find situations where you will help a friend or relative by driving their car or perhaps you need to borrow a car with a roof rack.

When a crisis is upon you and you need to be mobile, short term motor insurance can be a godsend. Your car isn't working and you need to borrow a car to get the kids to school or yourself to work. You may have lent your car out and find you need to use another car to undertake a vital task. As the process to obtain temporary cover is simple and quick, you can be mobile in minutes on the same day.

On the Flexirider website you can purchase immediate, short-term bike insurance with comprehensive cover, underwritten by Chaucer Insurance PLC. This is subject to adherence to the motorcycle acceptance criteria. You will be required to input your driving licence details as part of the application process. Payment for the pay-by-day bike insurance is made via a secure online debit / credit card transaction.

Your temporary insurance certificate and schedule can be printed off on your own printer at the end of the application process. Flexirider also registers the temporary cover with the Motor Insurance Database (MID).

There are many uses for our short-term bike insurance offering:

• Short-term bike insurance for you, the biker.
• Emergency cover for a temporary rider, or an additional motorbike.
• Temporary bike insurance for planned uses such as riding another bike, borrowing a friend’s bike or a motorcycle touring holiday.
• Temporary motorbike insurance to facilitate the delivery of your new bike.
• Test-drive a bike being sold either privately, or test –drive a Dealer’s demonstrator.
• Ride a Dealer’s courtesy bike while yours is being repaired / serviced.
• A temporary rider for your own bike.
• Your temporary use of another person’s motorbike.
• One day bike insurance for your friends and/or family.
• Temporary bike insurance if you are going away for the weekend.
• Take your bike on holiday with you and insure it by the day.
• Borrow a bike if yours is not working.
• Let your visiting friend borrow your bike for the week.

The main benefits can be summarised as followed:

• Freedom of choice as to when you insure your motorbike.
• Wide customer acceptance criteria
• Multitude of uses.
• Immediate comprehensive cover.
• Secure debit / credit card transaction.
• Ability to print off your own certificate.
• Registration of the insurance with the MID.
• No adverse effect on your annual policy no claims bonus structure.
• Up to 28 days cover per annum.

flexirider offers:

• The excess stated below
• Riding by any person who does not meet the Flexirider customer acceptance criteria

flexirider offers:

Chaucer (1-50)	Riders Aged Over 25
1-29	£1000
30-50	£1000

• If a motorcycle is purchased as new and registered in your name, and is stolen and not recovered or damaged beyond economical repair within 12 months of the date of first registration, it will be replaced with a new model of the same motorcycle, subject to availability
• The policy excludes liability for any loss or damage arising from theft where the ignition keys have been left in or on the motorcycle
• The policy excludes liability if any incident leading to a claim is covered under any other insurance policy

Your existing insurance policy will apply in priority to the Flexirider customer motor insurance if it covers the same loss, damage or liability.

This is only a summary of the main cover provisions. For full details of our cover, download the full policy wording:   

Standard UK cover

Your motorcycle will be repaired at a Chaucer approved repair centre.

You must contact the police if:

• Your motorcycle has been stolen (you must also keep a note of the crime reference number)
• You are involved in an accident involving injury to another person

If you use the vehicle under this facility and you are unfortunate enough to be involved in an accident, you can telephone the flexirider.co.uk claims unit on

0800 072 2050

where you will be required to provide full details of the claim including any witnesses and crime reference numbers.

For full details of our cover, download the full policy wording:   

Standard UK cover

flexirider.co.uk (part of dayinsure.com Limited) are authorised and regulated by the Financial Services Authority. Our registration number is 304010. This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

You may cancel this policy at any time by returning the certificate of motor insurance. However, because of the short period nature of this insurance there will be no refund of the premium. Because of the electronic delivery, we regret that, once an insurance certificate has been issued, the details of the cover, such as the insurance period, or the registration number, cannot be changed.

The appropriate law as set out below will apply unless you and the insurer agree otherwise:

• The law applying in that part of the UK, Channel Islands or Isle of Man in which you normally live or (if applicable) the first named policyholder normally lives; or
• In the case of a business, the law applying in that part of the UK, Channel Islands or Isle of Man where it has its principal place of business; or
• Should neither of the above be applicable, the law of England and Wales will apply.

If you wish to register a complaint, please write to us at flexirider.co.uk,  3 The Old Shippon, Holly House Estate, Middlewich Road, Cranage, Cheshire CW10 9LT. We are covered by the Financial Services Compensation Scheme if we cannot meet your obligations. Insurance advising and arranging is covered for:

• 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit, in respect of non-compulsory insurance (mtorcycle damage);
• 100% of the claim, without any upper limit, in respect of compulsory insurance (third party liability).
• Further information about compensation scheme arrangements is available from the FSCS.

Flexirider offers simple, transaction based rating for providing immediate short period cover. Subject to our customer acceptance criteria, daily premiums are charged as follows, up to a maximum period of 28 days.

Insurance group	Price
1-29	from £10.00 per day plus Insurance Premium Tax Total: £10.50 per day
30-50	from £20 per day plus Insurance Premium Tax Total: £21.00 per day

Payment of Flexirider.co.uk premiums is by secure credit/debit card transaction only. We have no other method of payment, other than via the web site.

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