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- Temporary Car Sharing Insurance
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Temporary Car Sharing Insurance
Temporary car sharing cover
- From 1-28 days. You only pay for the cover you want and only when you need it.
- Drive away cover while waiting for your annual policy.
- Protects your no claims discount. Fully comp insurance for peace of mind.
What is car sharing insurance?
Whether you’re borrowing a friend or family member’s car, want to share the drive on a long journey or are kindly offering an airport drop-off, there are a number of benefits to getting temporary car insurance.
Offering comprehensive cover for shared journeys, temporary car insurance not only covers you to use another vehicle or have someone else use your vehicle for a set duration of time but as it’s a completely separate and standalone policy, it won’t have any impact on your existing annual insurance policy.
Short-term car sharing insurance works in the same way as regular annual insurance, except it’s flexible enough to suit your needs.
What are the benefits of temporary car sharing insurance?
- Saves you money
- More environmentally friendly
- Fully comprehensive in the UK, not just third party
- Convenience
- Flexibility
- Peace of mind
- Protection for owners of the vehicle if the worst happens
- Reduction of travel time
- Greater freedom for anyone unable to access a private vehicle
When could you car share?
- You’re going on a road trip or long journey. Some of these can take hours and a sole driver can easily lose concentration as tiredness takes hold. Sharing the driving responsibility means everyone can stay alert while on the road, and that, most importantly, someone can take charge of snacks.
- You’ve started to lift-share on your commute. Bored of those long and lonely trips into the office and want to save money on public transport costs or fighting to find a car park space? Lift sharing could be a fine option. You’ll cut down on stress, play your part in reducing the number of cars on the road and have the chance to share your Spotify playlists.
- You’re in an emergency. If you’re sick, injured or pregnant and need someone to get you home quick, book them some temporary car insurance.
Why is temporary car insurance becoming a more popular solution for car sharing?
Despite sharing everything from streaming passwords to rides with strangers thanks to Uber, one of the biggest reasons behind the lack of an established car sharing industry in the UK is a shortage of viable and affordable insurance options.
As all drivers must be properly insured to use a specific vehicle, it can be difficult to find cover that allows you to simply drive away in a car without existing annual insurance. In recent years, the ‘driving other cars’ clause that used to be common in most annual insurance policies has started to either be amended or removed.
This move has gone widely unreported, which means that many drivers who assumed they have car insurance to borrow or share the driving in another car are in fact completely uninsured and driving illegally. This shows that getting insurance for car sharing isn’t as simple and as straightforward as it should be.
How do I get temporary car sharing insurance?
Tempcover’s temporary car sharing policy is quick and easy. Just provide your details, select how long you need it for and how many drivers and we’ll send you a quote in under 2 minutes.
You’ll get comprehensive cover as standard and all policies are available from just one hour up to one month at a time, so whether you’re car sharing occasionally or on a more permanent basis, you can get the duration you need without having to pay for cover you don’t want.
We compare prices from a number of top insurers to make sure you get the best deal possible and you can customise your policy to suit your situation.
Tempcover It!
So if you’re looking to share a drive over the next few weeks, make sure everyone’s covered with Tempcover’s temporary car insurance.
FAQs
Car sharing is a cost-effective way of saving money, saving the environment and sharing lifts with friends and family. According to www.gov.uk, it’s the coordinated matching up of lifts between drivers and passengers who travel on similar routes.
Whether you’re heading on a road trip or stuck in an emergency, it’s worth sharing a car to get to where you need to go. Lift sharing can significantly reduce emissions from travel, with Department for Transport analysis identifying that increasing car occupancy from its current level of 1.55 people to 1.7 could save nearly 3 MtCO2e per year by 2030. That’s almost the same amount emitted by the UK’s buses over a year.
Temporary insurance is ideal for car sharing as it covers you to use another vehicle (or have someone else use yours) for a set duration of time and as it’s separate to your annual plan, it won’t have any impact on your No Claims Discount.
It works in the same way as regular, annual insurance policies except it’s flexible to suit your needs. You get comprehensive cover as standard and all policies are available from just one hour up to one month at a time, so whether you are car sharing occasionally or on a more permanent basis, you can get the duration you need without having to pay for cover you don’t need.
It’s a legal requirement to ensure you’re insured to drive any car. Even if you’re borrowing a car for a short period of time, you need to have valid insurance. Tempcover can provide you with a quote in under two minutes and get you onto the road, fast.
As temporary insurance is separate to your annual plan, it won’t have any impact on your premiums or No Claims Discount.
Yes, as long as both are fully insured, two new drivers can share responsibility for driving a car.
Department for Transport analysis identifies the current average of people driving in a car in the UK is 1.55. At the end of 2023, there were 41.2 million licensed vehicles in the UK. Increasing vehicle occupancy to 1.7 per vehicle will significantly reduce the number of vehicles on the road and their carbon emissions.
