Last Updated: 17/11/2016
If you only need to borrow a car for a week, why should you have to pay for year round cover? Car insurance isn’t always as flexible as we need it to be but there is a solution. With a weekly car insurance policy, you only pay for cover when you need it.
Weekly car cover is the answer for all your short term driving needs. Whatever the reason, if you want comprehensive insurance, without having to adjust your annual policy, then it’s perfect for you.
Our lives are constantly changing so for many drivers the flexibility of a temporary car policy is the best way to get value for money and take the stress out of driving a friend or family member’s car. It’s the hassle-free answer to make sure you’re covered when behind the wheel.
It doesn't matter whether you've planned it in advance or need cover instantly; whatever you’re doing getting an online quote is quick and easy.
When should I choose weekly car insurance?
Borrowing a Car
In most situations, driving a friend’s car is the easiest way to stay on the road. Whether you need to borrow a car in an emergency or are planning a week away, you need to make sure that you’re insured to drive it.
You may think that to get cover you need to change your existing annual policy. This can be a lengthy and often expensive process, especially if you only want insurance for a week.
With temporary car insurance, you get comprehensive cover without the hassle. It’s a separate policy that doesn’t affect your existing insurance and even protects any no claims discounts you or the car owner has. Take away the added pressure of driving a friend’s car by getting insurance that works around you and covers everyone if the worst should happen.
If you’re planning a driving holiday or just need access to a car while away, you can get instant cover while you’re on holiday. It’s usually recommended that you share driving duties, especially if you’re travelling long distances, so you may need to get insured to drive another car.
Whether you’re sharing the driving with a family member or need to borrow a car specifically for your holiday, a weekly insurance policy will cover you at home and can cover you in the EU.
If you’re driving in Europe, many annual policies will only offer basic third party cover, so you’ll end up having to pay more for the same cover you get while driving at home. With a short term policy, you can get the cover you’d expect without having to make changes to your existing policy.
Buying a new car
A new car is one thing all drivers look forward to but in many cases, it can have a big impact on your annual insurance. Changing the car you want to be insured on an active insurance policy is called a mid-term adjustment (MTA). An MTA can cause a change in the premiums you pay, normally an increase.
If you’re approaching the end of your annual policy when you pick up your new car, it’s often easier and cheaper to get temporary cover while you sort out your new insurance policy.
Choosing the right annual insurance is an important decision and it can take a long time to compare a lot of quotes. Having short term insurance, even if just for a week means that rather than waiting till your new policy is in place, you can enjoy your new car from the moment you drive it home.
Lending your car to your kids
Many parents can be hesitant about letting their children drive their car because of the obvious risks involved. It’s this risk that means that adding a young driver to an annual policy is extremely expensive, particularly if you only want cover for a week or two.
If your kids are back from university and need to get around or are planning a trip with their friends, the best and often cheapest way to protect them and your car is to get temporary car cover.
It’s the flexible solution for ensuring your kids are properly insured when they’re driving your car. You only have to pay for cover when you actually need it. A temporary policy will not only protect your car if it’s damaged but also the no claims discount you’ve spent years building. For all round protection and peace of mind, it really is the ideal option.
Why get weekly car insurance?
A weekly car insurance policy gives you the freedom to drive other cars without worry. You can get a quote in minutes and your cover starts from the minute you want it to. You can get a policy that starts the same day or up to a month in advance. There is no waiting around for insurance documents to arrive as they’re emailed to you the moment you purchase a policy.
Getting this short term cover means that whether you’re driving at home or abroad, you don’t have worry about risking any no claims discount you have. Getting a policy is easy and straightforward and we’re confident most drivers can be insured.
Need longer cover?
Insuring your car for a week is long enough for many circumstances, but if you are taking a longer holiday or your kids want to use the car on a more regular basis, you can get temporary car insurance for up to 28 days.