For quick cover in an emergency
When emergencies happen, you need support that’s fast, flexible and understands your situation. When it comes to emergency car insurance you deserve quick quotes, instant cover, and policies that fit your needs.
Unfortunately, too many insurers aren’t flexible enough to deal with emergency situations and you can find yourself stuck without the cover you need.
If you need emergency insurance to drive a friend or family member’s car, the fastest and easiest way is with a temporary car insurance policy. Whether you need to drive at short notice or you’re just helping them get around, short-term cover offers you a flexible approach to car insurance that’s perfect in an emergency.
Temporary car insurance vs annual cover
As you know, all drivers are legally required to have insurance. If you’re planning to drive a car that you don’t own, no matter what the circumstances, you must make sure you have the right insurance to do so.
Of course, most drivers will have experience of annual insurance and will know that getting a quote can be a long process. In an emergency, you might not have the time to do this so you need to find cover that’s quick to get.
Getting a temporary policy is simple and straightforward and you can get your quote in just a few minutes.
Once you’ve selected your quote and customised it to suit your needs, you’re covered instantly for the duration you require, whether it’s hourly with 1-12 hour cover or daily insurance from one to 28 days.
Not only is short-term insurance quick to arrange but it’s also great value for money.
Can’t I adjust an existing policy?
Some people might recommend adjusting the vehicle owner’s policy so you’re a named driver. While this can be less expensive than an annual policy there are still some risks you may not be aware of.
Adding a new driver to an existing policy counts as a “Mid-Term Adjustment” (MTA) which not only comes with additional fees but can also cause the policyholder’s premiums to increase.
Along with the cost of adjusting the cover, if you were to have an accident while driving someone else’s vehicle, they would lose their No Claims Discount which could the cost of their insurance rise in the coming years.
A short-term policy is separate, standalone cover that has no impact on any existing policies. Their premiums remain unchanged and if the worst should happen, their No Claims Discount is protected.
What do I need to get a quote?
In an emergency, time can be crucial so you don’t want to waste time finding information that isn’t necessary. In order to get a temporary insurance quote you just need some basic information about you and the vehicle, you want to be insured to drive. The personal details you’ll need include:
- Your full name
- Your D.O.B
- You address/contact details
- Your occupation
- Your driving license number
About the vehicle you’ll just need to know:
- The UK registration number
- Who the vehicle owner is
It’s simple and straightforward and because your policy documents are emailed to you straight away, there’s no waiting around. You’re covered instantly.
Choose the cover that’s right for you
Only you’ll know what emergency insurance cover best fits your situation, so having a policy that’s flexible and customisable is incredibly important.
With emergency insurance, you can adjust the details of the policy to suit your needs. You can select the level of cover you need and adjust the date and time you want your policy to begin.
You can even purchase affordable extras like roadside breakdown assistance that can be a real lifesaver in a difficult time.
Start a quick and easy quote now and get temporary insurance in minutes.