Temp car insurance

Benefits of temp car insurance

Temp car insurance is fast, convenient and simple to buy. All our policies are underwritten by Aviva on a comprehensive basis. They include business-use cover and can start within 15 minutes of making a booking whether you want cover for an hour, a day, a week or a month.

On all our temp car insurance, we offer a range of optional extras such as comprehensive European cover, additional drivers and daily breakdown.

Our policies are standalone, so making a claim doesn’t affect your No Claims Discount (NCD) on any annual policy. What’s more, all our policies for UK temp car insurance come with free legal expenses cover to protect your interests in the event of an incident that is not your fault.

We update the Motor Insurance Database (MID) 4 times a day, so you’re unlikely to be stopped on suspicion of driving uninsured.

Uses of Dayinsure

Dayinsure is a great option when annual insurance doesn’t give you the flexibility you need, whether you want car insurance for a day or month. Examples –

1. Borrowing a car
   • If you’re buying or selling a car and want to arrange a test drive.
   • If you need a bigger car for a particular journey.
2. Adding a temp additional driver to your car
   • It’s a common misunderstanding that all annual insurance policies cover the policyholder to drive other cars.
   • But most annual policies restrict the cover to the policyholder and any named drivers on the policy. The policyholder may be covered to drive other cars (but usually third party risks only). Take out a Dayinsure policy to drive a friend’s car and you will be covered comprehensively. Any claims will not affect the car owner’s NCD (No Claims Discount).
3. Making a business trip
   • Another misunderstanding is that annual insurance policies that cover commuting allow business trips to any location – they don’t!
   • Commuting use only covers journeys to or from your regular place of work – so this could exclude cover if you visit a client, attend a training course or help out at a local branch.
   • Our temp car-insurance policies provide full business use (but not the carrying of goods or passengers for hire or reward).
4. Needing one-day car insurance in any situation, such as:
   • where the annual policyholder gets taken ill and you need to take over the driving
   • needing to share the driving on a long journey
   • taking a SORN vehicle for an MOT
   • driving a bigger vehicle to transport a piece of furniture
   • transporting friends to an event
   • where there’s a gap between one annual policy finishing and another one starting.

Who is eligible?

Our temp car insurance can cover most drivers aged 18–75 (subject to vehicle and underwriting criteria). From one-day to one-month car insurance, we can insure most UK-registered vehicles.

As well as UK licences, we can cover customers who hold a full EU, EEA, Australian, New Zealand, South African or Swiss driving licence and have done so for at least six months (reduced to three months if aged over 25).

So, if you’re planning to come to the UK or are expecting visitors, temp car insurance in the UK from Dayinsure could be a great option. Rather than hire a car for the trip, it might be easier (and cheaper!) to borrow cars throughout the duration of the visit when you need anything from one-day to one-month car insurance. Buy our insurance online as and when required.

See our car insurance acceptance criteria

What you’ll need to buy short-term car insurance

For a temp car-insurance quote, you’ll need:

• your name, address, DOB, email and occupation
• the registration number of the car you want to drive
• for non-UK licence-holders, a passport number (also required for Northern Ireland and Isle of Man licence-holders).

We’ll display the car-insurance price, then you decide:

• the duration (from 1 hour to 30 days)
• when you want the cover to start
• whether you want any of our add-on options (such as breakdown or European cover).

Then to purchase your temp car insurance policy, you’ll need:

• your driving licence number
• payment details (debit, credit card or PayPal).

That’s it – the whole journey takes a couple of minutes, and you could be behind the wheel in 15 minutes.

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