Temporary Car Insurance

• You use your car infrequently - You use your car infrequently. For example, if you work away for long periods of time or have access to a company vehicle, you might not use your own car for weeks or even months on end. However, when you do need to use it and if that use is only required for a day, a couple of days or a week, opting for a temporary policy will ensure you don’t fork out lots of money on cover that you simply don’t need.
• You’re due to test drive a new car - If you’re buying a new car, the dealership might require you to sort out your own insurance before allowing you to take it for a test drive. Alternatively, you might simply prefer the peace of mind of knowing you have your own insurance rather than being reliant on the dealership’s insurance.
• You need to borrow a car from a family member or friend - You may need to borrow a car from a family member or friend for a variety of reasons. For example, while yours is in the garage for repairs or if it isn’t suitable for a particular occasion. In this scenario, temporary car insurance can be both cheaper and less hassle than simply asking the vehicle owner to add you to their policy as a named driver.
• You own a second car - If you have a second car and you use it infrequently. For example, a classic convertible that you only drive during summer.
• You’re learning to drive - If you’re learning to drive, taking out temporary car insurance could reduce the hassle and save you money when compared to the cost of being added to an existing policy. It also ensures that the existing policy’s No Claims Discount (NCD) isn’t affected in the event of an accident.
• You’ve been caught up in an emergency - If in an emergency you are left having to take over the driving from someone else, temporary car insurance can provide a quick and hassle free means of getting cover in place before you jump behind the wheel.

In order for us to provide you with a quote for temporary car insurance you must meet the following criteria:

• You are aged 19 – 75 (or from 17+ if you’re a learner driver).
• You have a permanent address (proof may be required in the event of a claim being made under your temporary insurance policy).
• Your licence is within date and has been issued within the UK, EU, EEA, South Africa, Australia or New Zealand. You must also have held your licence for a minimum of three months (increases to six months for under 25s).
• You have had no more than two fault claims in the last three years (this includes instances where a claim has been declined or where you notified an insurer of an incident, but chose not to claim).
• Your licence shows no more than nine penalty points and you haven’t been disqualified from driving within the prior 18 months.
• You haven’t received a licence endorsement containing one of the following prefixes within the last 3 years: DR, CD, DD, UT or DG.
• You haven’t, in the last 6 months, received a licence endorsement containing one of the following prefixes: IN or CU80.
• You haven’t received any kind of criminal conviction within the last 5 years (this includes pending prosecutions and police enquiries).
• Your vehicle isn’t impounded.

UK law dictates that a motor vehicle must either be insured or SORN. So, for example, if you have temporarily insured a car, upon the expiration of the insurance policy you must either extend it, take out a new policy or SORN your car (effectively declaring it off road). There is no grace period or in-between. If you fail to meet this legal obligation, you could be handed a fine of up to £1,000.