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Help Centre

Car

Why can’t I get a quote?

If after submitting your application you have not been offered a quote by any of our insurers this may be due to a combination of factors such as your age, the duration that you’ve held your licence and the vehicle you’re looking to insure. It may be that one or all of these factors do not meet our insurers acceptance criteria and unfortunately, we cannot change the outcome of this for you. Do pop back again in the future; we constantly review our acceptance criteria and work hard with our insurers to provide quotes for our customers.


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Can I have more than one driver?

Currently our policies only permit 1 driver per policy. Whilst we may offer this feature in the future, currently if you require 2 drivers – you will need two separate applications/policies to cover two people on the same vehicle.

Don’t worry, the policies don’t interfere with each other, so this won’t cause any issues with the either policy.


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Can I use Tempcover for work?

Tempcover policies cover social domestic and pleasure use and commuting to and from one place of work. If you need further cover, for example travelling to various places of work or class 1 business use – each insurer has a different level of cover, so you should check the Insurers Declaration after your quote has been generated to see if they offer suitable terms for you. It’s important to check the Insurers Declaration for any excluded occupations before purchasing to ensure that what you do for work is something we can support with our insurance, this will be displayed to you after a quote has been generated before payment stage.


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Can I take out multiple policies?

Tempcover is designed for short term use, so we would not recommend using the service over a long period of time. However, if you need to insure your car for a few months at a time, you can purchase our insurance up to 28 days in advance, for a maximum of 28 days, and repeat purchase if necessary.


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Can I tax my vehicle with a Tempcover policy?

Yes, you can tax your vehicle with our temporary policies. You can do this either online via the DVLA website, or in your local post office with your insurance documentation.


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Do I need to be the vehicle owner?

Currently, our policies only permit 1 driver per policy, but you don’t need to be the vehicle owner to take out insurance with us. As long as you have the owner’s permission, and the vehicle is not a rental, hire, or lease vehicle of fewer than 90 days’ duration, we can permit cover on that basis (subject to application).


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Can I insure my SORN vehicle?

As long as your vehicle is in a roadworthy condition, and you either have tax or will tax the vehicle with our insurance certificate, we can allow insurance for this purpose. The vehicle must have a current MOT or you must have a pre-booked MOT appointment to attend whilst insured with us in order for the insurance to be valid.


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Why won’t you accept my licence number?

Sometimes when purchasing a policy, you’ll be asked to provide your licence number. If you’re getting a message that states the information does not match or isn’t valid, you’ll need to follow these steps:

  • Check your licence is UK registered (Northern Ireland and Isle of Man have a different format, and sadly, therefore, can’t be accepted)
  • Check your first and last name are spelt correctly, and you haven’t used a nickname or different name on the form itself
  • Check your date of birth is entered correctly
  • Check that the licence number you’re giving belongs to the driver you’re insuring
  • Check that you’re not accidentally entering a number instead of a letter, for example, “0” not “O”

Once you’ve checked all of these things, we’re pretty confident you won’t have any further issues.

However, if you need us – we’re here to help! Just submit your query on the Contact Us page.


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What details do I need to apply for Tempcover?

You’ll need all the details of the driver who wishes to take out the insurance, including their contact details, address, date of birth, and details of the vehicle. It also helps to have the license number handy because you may be asked to provide this throughout the application.


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Do you provide No Claims Bonus?

No Claims Bonus is not applicable to short term policies, so whilst any existing No Claims Bonus is unaffected by our policies, we can’t produce any proof of no claims for this reason.


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When will my vehicle show on AskMID?

The details of the Motor Insurers Database will be shown on your Policy Confirmation email.

Once you’ve purchased a temporary insurance policy, your insurance details will shortly be passed to the Motor Insurance Database (MID). We have a time to supply to the Database of 7 days and so due to the short-term nature of your policy, it is possible your policy may have expired before the details appear on askMID.

We recommend that you print your Insurance Certificate and have this with you as this remains valid proof of your insurance and legal entitlement to drive the vehicle.


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