Temporary Car Insurance
This is an alternative to a 12-month policy and it is known as a temporary car insurance solution or short-term car insurance cover. This type of policy is helpful in cases of emergency or even for everyday tasks such as shopping or going on a long trip with friends and family where you may need to borrow someone else’s car.
There are various levels of cover level available ranging from comprehensive to third party, fire, and theft, but most of the insurers advise you to take out comprehensive cover as it will ensure you are protected in case of an accident damage or if it were to get stolen.
The comprehensive coverage will include:
- Loss or damage by fire
- Car replacement
- Accidental recovery
- Legal liability for death or injury to another person in case of an accident
- Legal liability for damage to property
The level of cover mentioned above will depend on if any extras have been taken or if it is part of the comprehensive cover, which sometimes depends on who the insurer is. Extras and options can be purchased with the policy as a stand alone.
Here is a list of who may use temporary car insurance:
Learner drivers – this is if you are learning to drive and have time use the car as and when required or for a continuous short period of between one and twenty-eight days.
One day insurance – This type of cover is suitable for those who need to use a car in an emergency case such as the need to move a home or have to meet someone.
Classic and sports cars enthusiast – If you are an enthusiast of classic cars and high-performance cars that is normally used a second car where you may only drive over the weekend and want to cover for a short period of time.
Young drivers – this is for those drivers who are aged under 21 and don’t have their own car but do have access to a car within their own household or of a friend/relative.
How can you take out a temporary car insurance?
Firstly, you will need permission who’s car you are willing to drive if you are thinking of borrowing or if you are buying the car then you can call our office on 01204 392 525 or email us at Quote@arkwrightinsurance.co.uk and we will call you back.
However, you will need to provide us with the following details:
- Personal details
- Details of your license
- Details of your driving record and history
- Personal circumstance
- Details of the car
- The date and time you would like to start the cover and end
In the case of an emergency where you will need to drive a car, we can get you a cover for just one day with our one-day car insurance policy. Temporary car insurance can be available to start the cover immediately and there are options you can also buy such as:
- Alloy wheels cover
- Tyre cover
- Breakdown cover for UK on or European or both
Contact us on 01204 392 525 or emails us at Quote@arkwrightinsurance.co.uk and we will give you a quote and get you covered on the date and time of your choosing.