The benefits of temporary car insurance

Car insurance is a legal requirement in the UK, so making sure you are covered whenever you drive is important. There are occasions where you will need to borrow a car like a medical emergency or a breakdown at an inopportune moment. Temporary car insurance is great for instances like this. Here’s why temporary car insurance is so great. 

No need to adjust an annual policy 

With temporary cover, you do not need to change anything about your annual policy. This means no long phone calls sat on hold, no stress trying to get it sorted, and no time wasted. 

You simply have to set up an individual policy specifically for the situation you need. This can be done online by selecting the option for day insurance and following the steps online. 

No impact on your no claims discount

A no claims discount, or no claims bonus, can reduce the amount you pay for a policy by not claiming on your insurance. Years of being a great driver can be wiped out by adding another driver to your policy, even on a temporary basis. 

By activating a different, temporary policy, your no claims bonus won’t be affected, and you can continue to get your discounts. 

Only pay for what you need

Temporary cover can range from a couple of hours to a couple of days depending on how long you need it for. For example, if you need to borrow a car for an emergency hospital trip, you may only need to use it for an afternoon.  Alternatively, you could lend your car to someone whose car has broken down for a few days until it gets fixed. 

If you were to take out a full annual policy to cover either of these scenarios, you would be wasting money for no reason. 

Flexible policy options 

Sometimes situations occur where you need multiple drivers to use the same vehicle temporarily. For example, you may need to move a car over a long distance to sell it but be unable to do the entire drive by yourself. 

If you were to keep changing an existing annual policy you may incur fees as well as wasting your time and money. With temporary cover, you could utilise multiple policies to cover different time periods with different drivers. Not only is this a lot cheaper, but it is also a great deal easier too. 

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