When Would You Need Temporary Car Insurance?

Have you ever planned to drive a car only to realize that you do not have insurance for that vehicle? There are many situations where this is an issue and you must always make sure that you take out temporary car insurance to ensure that you are always covered. This is temporary cover that can last an hour, day, week or month and can provide comprehensive cover while you need it. So, what are some of the most common situations when you would need temporary car insurance?

Car Rental

One of the most common situations that require temporary car insurance is when renting a car. Sometimes, coverage will be included in the rental agreement but you may also have to arrange your own cover. This can include renting a car domestically whether this is a van to move home or if you are currently without a car or on a holiday abroad. This is why you should always check in advance to see if you need to arrange your own temporary car insurance (it is often very quick to set up).

Driving Someone Else’s Car

Another common situation is when driving someone else’s car, such as a friend or family member. There are many times when you might find yourself in this situation, such as moving home, going on a road trip or picking up a loved one. It would be illegal to drive someone else’s car without insurance in place, even if you are just parking for them, so you should always arrange temporary car insurance.

Driving a Car Home From the Dealership

It is easy to forget about car insurance when you buy a new car, but you must always be covered when you get behind the wheel. If you have not arranged a car insurance policy for your new car on the day that you purchase it then you will need to arrange temporary car insurance so that you are covered to drive home until you have a long-term policy in place.

Supplementing Existing Coverage

Many also take out temporary car insurance to supplement their existing coverage. If your policy is about to expire and you do not need another full year, for example, then you could arrange temporary car insurance to ensure that you are covered until you no longer need car insurance.

When is Temporary Car Insurance NOT Suitable?

There are times when you may not need temporary car insurance. These are if taking a test drive as the dealership should have their own insurance in place. You also do not need insurance for driving lessons and a driving test if you are in your instructor’s car. If you are in your own car then you will need learner insurance for lessons and the test.

Motorists always need to make sure that they have coverage and the above are a few times when you will need to take out temporary insurance.