With the emergence and power of the internet, it has become increasingly popular for individuals to purchase temporary car insurance on-line. And why not? It’s so simple, quick, easy and drivers know that they are insured in an instant. Drivers are acutely aware that, with the authorities having number plate recognition systems with direct access to the DVLA and insurer databases, gone are the days that people “take a chance” . Being caught without insurance is simply a price not worth paying – a fine, points and the vehicle impounded instantly.
There are two forms of short term car insurance.
Firstly there is a standard policy – this is designed for drivers who require anything from a 1 day car insurance to 28 days. Drivers usually have to be 18 or over (vehicle dependent), have a full UK driving licence and have to satisfy certain other criteria. Ironically, not a single policy will enable a vehicle to be released from being impounded – clearly, these policies are not designed for this instance but to enable someone to legitimately use a car that they do not necessarily own.
The second policy caters for learner drivers. These policies follow the same format as a standard policy but the policy is usually lower in cost and is designed specifically so that a provisional licence holder can learn to drive in their parents, guardians or relatives vehicle, for example. Prior to the emergence of these polices, it was usual to add these drivers on a temporary basis on their parents policy but with insurance companies bringing over 50 type policies or restricted mileage type policies, the cost is now prohibitive, if cover is available at all. The real beauty of short-term learner driver insurance is plain to see. The cost is lower and crucially, does not affect the no claims bonus of the original policyholder if an accident were to happen. It is fair to point out that the excesses are high – but no higher than normal for a young driver – and that the moment a provisional licence holder passes their test, the learner driver insurance policy becomes null and void. Other than that, these weekly insurance products are perfect for that last minute wish to drive a car. Of course it is also important to remember when the policy runs out. This sounds obvious, but these providers can potentially renew a short term policy for a further period upon payment of an additional premium, but again, confirmation need to be sought from your chosen provider.
The most important factor when purchasing these types of policy is to check the terms and conditions of the policy thoroughly. Each policy may differ and it is vitally important that you are happy with the terms and conditions being offered. Finding out that a section of the policy is unacceptable to a policyholder after an accident is not an option.