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 dayinsure.com web site you can purchase immediate short term comprehensive car insurance cover, underwritten by Norwich Union. This is temporary vehicle cover for cars, vans and goods carrying vehicles up to 3.5 tonnes GVW. The cover is subject to the short term insurance customer acceptance criteria and vehicle acceptance criteria, and you will need to enter your driving licence details during the quote process.

We provide short term vehicle insurance for cars and vans, for planned or emergency uses, for adding temporary additional drivers or temporary additional vehicles. You can use the temporary cover to facilitate delivery of your new vehicle, or to test drive a car or van from a potential private sale.

The pay by day car cover is purchased through an online payment process by secure debit/credit card transaction. Your temporary insurance certificate and schedule can be printed off on your own printer, and we register the short term cover with the Motor Insurance Database (MID). We have included the additional benefit of Uninsured Loss Recovery with a legal advice helpline provided by RAC Legal Services. There is also an option to buy temporary roadside assistance cover called dayresQ which is administered by Mondial Assistance (UK) Limited. This is available for European travel and is a new product unique to dayinsure. The short term cover does not compromise the ‘no claims bonus’ element of any annual cover on the vehicle.

All drivers want to protect their no claims bonus, especially if they are lending their vehicle to another person. With comprehensive short term car and van insurance from www.dayinsure.com you need not worry, as the vehicle can be used without putting any ‘no claims discount’ at risk.

On occasion you may have the need for additional people to drive your vehicle. You might have a relative or friend visiting and they may want to use your vehicle, or perhaps you are planning a long journey and the driving needs to be shared. No matter what the reason, www.dayinsure.com can provide comprehensive short term insurance.

When buying a car or van you can benefit from short term comprehensive insurance. Once the cover has been purchased your new vehicle can be driven away immediately, allowing you more time to search for a competitive annual policy quote.

Short term comprehensive insurance can be obtained instantly at www.dayinsure.com. You can process a quote and then buy online, within a matter of minutes. You will immediately have the option of printing off your certificate and schedule (your proof of cover), within minutes of making your payment.

Several circumstances may arise where you need to drive an additional vehicle for a short period of time. Maybe your main vehicle is being repaired, or perhaps you need a larger vehicle when moving home. Whatever the reason www.dayinsure.com is the answer, with cover available from 1 to 28 days.

Test driving a vehicle prior to purchase will require insurance cover. www.dayinsure.com allows the prospective buyer to take out instant short term comprehensive cover for a vehicle demonstration, whether it is for a new or second hand vehicle.

Dayinsure.com short term motor insurance policyholders are allowed to use their certificate to tax their vehicle (subject to DVLA/Post Office acceptance).

We do not insure vehicles or motorcycles on a ‘third party fire and theft’ basis.

dayinsure.com provides short term comprehensive car and van insurance underwritten by Norwich Union. Insurance is transacted on the basis of an individual short period policy issued in your name.

Cover can be purchased for any 24 hour period, and for periods of up to 28 days, and includes as standard:

• Damage to the insured vehicle in the event of an accident
• Loss or damage by fire, theft or vandalism
• Liability to third parties for injury or damage to their property
• Emergency treatment fees and EU compulsory insurance

Optional European cover is available at an additional premium (see restrictions) A maximum of 84 days insurance over a year, taken in up to 28 day periods.

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

Standard UK cover  |  European cover  |  Exclusions and Excess Information

If you are an Expat living either inside or outside the EEC, and hold either a full UK or EU driving licence, then you can purchase short term car insurance for your visits back to the UK.

Dayinsure.com now offers a temporary car insurance product that is ideal for UK Expats returning to the UK, and who have the option of borrowing a friend’s/relative’s motor vehicle. If you are not resident in the UK, but have held either a full UK, EU or EEA licence for over 12 months, and are aged 25 years or over (for a EU/EEA licence) or aged 21 years or over (for a UK licence), you can buy up to 84 days of cover in any rolling 12 month period.

The cost is likely to be much less than hiring a vehicle, and you have total flexibility about when and how often you buy the cover. It's simple, quick and ideal for the Expat community.

You can book as many days as you need, and up to 28 days in any one booking, subject to a maximum of 84 days in any rolling 12 month period. You can also select the option of dayresQ which gives you daily breakdown cover. Finally, your daily car insurance policy has uninsured loss recovery as part of the package, to give you peace of mind in the event of an incident occurring. The RAC Legal Services team are available 24 hours a day during the period of the short term cover, to give you legal advice should you need it. All in all it offers a great new service to the expat community at a cost effective price, and is designed to cover your journeys to the UK to see friends and family. Any incident is covered on the short term policy, and does not affect the ‘no claims bonus’ on any annual car policy.

Principle exclusion:

Driving by any person who does not meet the dayinsure.com customer acceptance criteria

Association of British Insurers' Insurance Group	Drivers Aged 21-24	Drivers Ages 25 & Over
1-17	£500	£250
18-20	N/A	£500

• The excess applies to claims for windscreen replacement or repair
• If a car 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 car, 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 vehicle 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 dayinsure.com customer vehicle 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  |  European cover

Your vehicle will be repaired at a Norwich Union approved repair centre.

You must contact the police if:

• Your car 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

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

You must contact the police if:

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

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 dayinsure.com limited, 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 (vehicle 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

Payment of dayinsure.com premiums is by secure credit/debit card transaction only.

We have no other method of payment, other than via the web site.

Optional cover for foreign use is available at an additional premium, should you wish to drive your car on the continent of Europe (see below for territorial limits).

The following restrictions apply:

• Journeys must originate and terminate within Great Britain, Northern Ireland or the Isle of Man
• Cover is available for customers who hold a full UK, EU or EEA driving licence holders only
• Cover is only available for cars registered in the UK

The following countries can be covered:

England, Wales, Scotland, Northern Ireland, the Republic of Ireland, the Channel Islands, the Isle of Man, Andorra, Austria, Belgium, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Bulgaria, Romanis, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein), including transit between these countries.

Hazardous locations include:

• Power stations, nuclear installations or establishments
• Refineries, bulk storage or production premises in the oil, gas or chemical industries
• Bulk storage or production premises in the explosive, ammunition or pyrotechnic industries
• Ministry of Defence premises or military bases

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dayinsure provides information on this site and tries to ensure all the information is accurate. We try to provide you with general information about the law as it applies in relation to Road Traffic matters, as a guide only.

However, we are not a firm of solicitors and are not professional legal advisors and the information is NOT provided in that capacity. If you require specific advice you should consult the professionals.

We cannot be held responsible for any inaccuracies in the information, and for any action that you may have taken, or not taken, as a result of reading information on this site.