Short Period Insurance
How to insure a car for just a few days
Drivers over the age of 19 can now buy cover for a car or van for just a single week, whether they own it or not, from a number of insurance companies. The policies come at attractive rates and cover is comprehensive.
A few companies have specialized in providing this specific policy, moving in to meet the needs of people who may need to use the car on a short term basis. For such drivers, purchasing a long term insurance policy makes no economic sense. Driving an uninsured car is out of the question too as no one wants to risk a run in with the law. For this group of car users, weekly
cover is a ready answer.
As the cost of insuring a car takes a sharp annual increase, you may want to consider this type of policy if you do not use the car consistently. If you only need to drive a car on the odd occasion, insuring it for the odd week can be a cheaper option for you. Plan your time so that you can get everything you need to do during that period. Then you can relax until more errands need to be attended to.
short period insurance is also perfect if you have a teenage son or daughter who just arrive to stay from time to time. You may not want them to drive the car using your own policy because they might get into an accident and invalidate your No Claims Discount. Get them a temporary policy and you will have peace of mind whenever they have the car.
Perhaps you are expecting visitors who will be using your car during their stay. As they will be driving on unfamiliar roads under different road regulations, you cannot quite be sure that they won't run into any trouble that would compromise your car’s insurance. Buy short period cover so that they won’t have to rely on their existing car insurance policy which may or may not cover them to drive another vehicle that doesn't belong to them, but which will almost certainly only cover it for third party only risks; which would mean that any damage to your car, in an accident at which they were judged to be at fault, would not be paid for. Get them a week's fully comprehensive cover instead and enjoy peace of mind.
You may be planning to use a friend’s car for a week or two, but on closer look at your car insurance policy, you realize that the policy only covers your car, not any other that you may drive. In this case, you would need a separate insurance policy. Because you will use the car for a short period of time, this type of insurance is perfect. Should you need to use the car for more than that, the policy can be taken out for up to 28 days at a time if you wish.