Temporary Motor Insurance
If you are looking to insure your vehicle for less than the standard annual cover, you may want to consider a temporary motor insurance policy. The majority of policies will offer you short term insurance for 1-28 days and some will extend this to 1-8 months.
Firstly, you may want to consider the type of cover you are looking for. You are legally required to purchase at least the minimum amount of cover, which is third party. The maximum amount of cover for temporary motor insurance you can buy is fully comprehensive. Bear in mind that third party will not cover you extensively.
There are a whole host of companies that can offer you car insurance quotes for temporary policies. We have listed a few below, and also have a range of reviews to help you find the right deal for you.
|Provider||Cover Term||Minimum and Maximum Age||Special Features||Get Quotes|
|1 - 28 days||18 - 75||Instant Car and Van Cover including motorhomes. Cover for Learner Drivers. Insurance documents immediately issued.||Get Quotes >|
|1 - 28 days||19 - 75||Instant Car and Van Cover. Cover for Learner Drivers. Cover for vehicle hire and test drives. Insure someone else on your car. Insurance documents immediately issued.||Get Quotes >|
The second thing to take into account is the costs. You will need to pay the premiums and also the excess. Your premiums will be higher if you are a young driver due to the high risk of 17-25 year old being involved in car accidents. You should also expect high premiums if you have penalty points on your licence or you have made a claim of your insurance. In some cases, temporary motor insurance will not be available to younger drivers and drivers with convictions and claims.
Some companies offer a pay as you go cover, which is designed to suit those who do not drive often. Insurers use tracker to determine the amount of mileage you use per day and your premiums are calculated through this. If you are looking for cover because you do not drive regularly and you want it for more than a month, then you may want to consider this an option.
It is worth searching the market for the best motor insurance quotes as comparing an array of prices could save you money.