Temporary Driver Insurance
Temporary driver insurance allows you to drive someone else’s car or allows someone to drive your vehicle on a temporary basis. You can usually get a temporary driver insurance policy to last between 1 and 28 days.
These short term policies can be taken as fully comprehensive or as third party cover and allows both parties peace of mind. If the person holding the temporary policy has an accident it won’t affect the annual policy holders no claim discounts they may have built up, which can be hugely important if you have been a careful driver for several years.
It also means that if you have just purchased a car and wish to drive it away, you don’t have to already have permanent insurance cover in place. You can just use a temporary policy until you are ready. Most policies can be done online immediately and the documents emailed to you, so you can drive that brand new car straight off the forecourt!
You may want to share the driving on a long journey or borrow a friend or relations car for the weekend. No problem! With temporary driver insurance you can take control.
Providing you meet the following criteria, you will be able to be covered by most insurers:
• You have held a current full UK driving license for a minimum of 6 months or
• You have held a European Union licence for a minimum of 12 months or
• You hold a provisional driving licence.
• You are between 18 and 75 years old.
• You have no more than 7 penalty points on your licence in the last 3 years.
• You have not been disqualified from driving in the last 2 years.
• You have not had more than two fault claims in the last 3 years.
Some of the temporary insurance providers have different criteria so be sure to check the details before signing up to a policy.
You can also get a temporary driver insurance policy for your children if they are learning to drive and they hold a provisional licence. They can get some extra driving practice in and you don’t need to worry about your car.
Having your child insured as a driver with their own temporary insurance policy means that should they have an accident it won’t affect any no claims discounts you have built up on your own annual policy.
The temporary insurance providers suggested have been chosen on the basis of user feedback and opinion. If you come across a provider that you think merits a mention on this site, please contact us. We'll gladly add it to our list.Contact Us