For the most part, car insurance is renewed year after year on 12-month contracts, and in most circumstances this model of car insurance survives because it works better than any alternative.
However, there are always exceptions to the rule, and one of the solutions to that is to take out a temporary car insurance policy instead.
What is Temporary Car Insurance?
Simply put, temporary car insurance is insurance which isn’t expected to be renewed and which lasts for a period of less than twelve months.
Why Would You Want Temporary Car Insurance?
Typical reasons to want temporary policies include use of a car borrowed from friends or family, or driving a car which is usually kept under a Statutory Off-Road Notification except for special events (the case with classic cars in some collections)
Most temporary policies are taken out to allow students home for the holidays to drive their parents’ car. It can be cheaper than adding an extra driver to the car’s primary insurance policy, and it prevents the student’s driving from potentially affecting the primary no-claims bonus.
Choosing the Right Policy
There is no one-size-fits-all perfect policy in any type of car insurance, and temporary policies are certainly no exception. When you compare temporary car insurance policies, you should always bear in mind your own budget and the coverage you want.
It’s important to choose the best policy for you, and reviewing a wide range of quotes gives you a much better chance to find something perfect for your circumstances. It can be a lot quicker and simpler to compare insurance policies online.
Online portals let you compare over 100 providers of car insurance such as AXA, Aviva, Hastings, Octagon, Nationwide, RSA, Swift Cover, Bell, Hughes, LV and many more…
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