You may need to apply for temporary or short-term car insurance on top of your existing car insurance policy from time to time. You may, for example, need to borrow a friend’s car while yours is being repaired, or wish to car-share to go on holiday or drive to a special event with family and friends.
If that is the case, it is essential to compare temporary or short-term car insurance policies that cover you fully, even for short journeys. Driving without insurance is an absolute offence, meaning it is the responsibility of the driver to make sure they are covered. If you’re caught, don’t feign ignorance as that won’t prevent a potential conviction, driving ban or even the impounding of the vehicle in question.
Shop around
You don’t have to go with your existing car insurance policy provider when applying for short-term or temporary car insurance. In fact, to cut costs, it is essential to compare several quotes at once, which you can of course do with the Confused.com car insurance comparison service.
What drives the cost?
Temporary insurance policies typically run from one to 28 days and the quotes you compare will take into account the usual car insurance factors, such as make and model of the car, the driver’s experience and any no-claims bonus built up, and the location where the car is kept.
Go permanent
Most comprehensive car insurance policies cover ANY qualified driver on a third party only (TPO) basis in the event of an accident. If you find you are applying for temporary car insurance cover more than once or twice a year, a comprehensive car insurance policy may work out cheaper.
Top tip
In the time it’s taken you to read this article, you could have completed the easy-to-use Confused.com form and have a list of quotes at your fingertips. Got another five minutes? Compare car insurance quotes now or bookmark the page for later.
