Temporary Car Insurance Policy | Short-Term or One Day Car Insurance

What is Temporary Car Insurance Policy?

You are residing in the UK and own a four-wheeler? Perhaps you have heard about ‘Temporary Car Insurance’ and want to know more about it. It is also referred to as ‘short-term auto insurance’ and offered to car owners in certain conditions. You cannot drive any vehicle without valid insurance. It is illegal and you will only invite hefty fines as well as six points in the license. What if you don’t own a vehicle, but have plans to rent it out or borrow from someone you know? What will you do if you own a car and are required to lend it to someone else for a day or two? This is where short-term or temporary insurance gets you covered!

Know your risks

The truth is that majority of the drivers in the UK face risks assuming that their vehicle is covered with comprehensive insurance. This means, family and friends may drive it. The truth is, insurance should be on the name of the borrower to drive it legally on the road. Otherwise, the borrower and the owner, both are likely to face driving bans and thousands of pounds as fines.

What fact you should be aware of?

Do not even think that it is possible to drive using the owner’s existing insurance, even it is a comprehensive one. This is because such policies are likely to cover the vehicle for 3rd party damage in case the driver is not on the policy. This means any damage made to other vehicles or property will have been \ borne from the owners’ pocket. However, the borrowed vehicle is not likely to be covered. Moreover, any acceding occurring will be only held against the ‘no claims bonus’ of the owner. It means the owner has to repair the vehicle from his/her own pocket and also shelve out more for insurance in the future.

Possible solutions

The owner might include you as the named driver in the insurance policy. However, it is likely to affect his/her ‘no claims bonus’ in case you are the driver at the time of the accident. You may have insurance for a different vehicle type than the one that is proposed to drive. In such a case, your own policy might not cover the accident.

About Temporary or Short-Term Car Insurance

Temporary cover can be availed to drive legally a specific vehicle. Based on your needs, you can avail of it for 1 hour to 4 weeks. This way, you can get fully covered against car accidents, be it you are driving your friend’s vehicle or sharing it with your friends. Most short-term policies do help safeguard the ‘no claim’s bonus’ of the owner. This again might vary between different providers something that you should properly research upon.

About One-day car insurance

This insurance policy provides coverage for 24 hours. It offers comprehensive coverage similar to that of any annual policy in the UK. It is also referred to as ‘short-term’ or ‘temporary’ car insurance. If your main car has an annual auto insurance policy, then 3rd party coverage may be derived to drive a borrowed vehicle. But it should have a “DOC’ (Driving Other Cars) clause. In spite of having a DOC clause in the policy, damage occurring to the driven vehicle will not be paid. Rather, only the other driver will be covered. Hence, to derive peace of mind, it will be wise to avail of one-day auto insurance with fully comprehensive coverage.

Such insurance policies are quite affordable and also a simple way to derive coverage. It is a better option than tweaking the existing policy for including another vehicle. Moreover, the main policy’s no-claims discount will remain unaffected while making claims.

Is it possible to avail of one-day auto insurance for all types of vehicles?

Such coverage is provided on all vehicles, but with a valid MOT. Temporary insurance might not be available from on vehicles that are over specific market value like £50,000 or £75000. A specialist provider can provide coverage if it is in excess.

How to get Temporary Car Insurance?

You can get Temporary car insurance of up to 6 months. You need to approach a reputed insurance provider to buy one. They are likely to take into consideration a few factors. It includes the city where you plan to drive, speeding, the mileage you are eager to achieve, driving time, driving license, purpose, type of car, etc. These factors will determine if you can get temporary insurance. Moreover, the policy premium will be based on the above-given factors since no fixed premium is set by the regulators.


You should be between the age of 17 and 78 and is to have held a valid UK license at least for 6 months. Also, you should have qualified for your test. Learner drivers may also apply for this type of insurance.

Cost involved

Short-term car insurance rates will vary based on your vehicle, situation and provider approached. The below-given rates are just a fair guide!

  • 1 hour: £16.02
  • 2 hours: £16.84
  • 3 hours: £19.75
  • 4 hours: £22.09
  • 1 day £28.45

What’s included in the short-term car insurance?

You can expect just about everything that is otherwise offered with the annual auto insurance policy.  Leisure and business usage also are a standard inclusion.

What is covered:

  • Child seat replacement
  • Vandalism, fire, theft, or loss
  • New car replacement of similar specification, model and make
  • Replacement locks
  • Legal liability
  • Accident recovery
  • Personal accident to about £2,500 per claim
  • Personal belongings to about £150
  • Legal costs to about £5,000,000

What’s optional to choose to enhance protection?

  • European Car insurance coverage if the desire is to drive the vehicle in the EU.
  • Breakdown coverage
  • Excess Protection to reimburse excess charges on making a claim.

https://www.rac.co.uk/insurance/temporary-car-insurance is one such provider that you may look into.

Happy shopping!!

Like with everything, doing some research on the web is sure to help you come across a variety of deals. Find some reputed providers and compare their policies offered. Choose one that offers comprehensive coverage as well as a value worth your money. This should be in terms of no claims bonus protection and coverage offered.

Car Accident Lawyers in the USA

Car accidents are quite common everywhere in the USA, mainly in urban areas. Car owners may need to hire specialist lawyers after meeting with accidents while running their vehicles on roads. All car accidents do not demand the assistance of attorneys if there is no legal issue to be addressed. However, people sometimes need to hire experienced car accident lawyers to recover from their financial losses caused by car accidents.

When to hire a lawyer after a car accident?

People often make the mistake of not hiring a lawyer after meeting with a car accident. They may think that they can manage all issues themselves, which is not correct. Only a professional attorney experienced in handling car accident cases should be hired immediately after an accident. There will be lots of moments when expert legal assistance is needed for a victim of a car accident.

Filing claims to the insurance company – All insurance companies try to minimize the claim amount that they need to pay to a client as compensation after a car accident. So, only an experienced car accident attorney can achieve the required claim amount from the concerned insurance company. If you think that you cannot handle the lawsuit for an insurance claim, it is best to hire a car accident lawyer immediately.

Finding the actual reasons for the accident – Each car accident should have a specific reason and a car accident lawyer will dig it out for his client. Most commonly, negligence of a driver is the reason for an accident, who might be driving in a drunk or drugged condition. The habit of rash driving despite heavy traffic is another cause of frequent accidents. Some drivers pay too much attention to the GPS or speak on their mobiles while driving, for which they fail to see other vehicles or people in front of their cars. The car accident lawyers investigate to find out the main reason for each accident and also collect valid evidence against the other party for safeguarding the interest of their clients.

How an attorney can help with your car accident claim?

Evaluates the after-accident situation – Reputed car accident lawyers offer a free evaluation of accidents caused or met by vehicles of their clients.  They sympathize with car owners, who are already dealing with lots of expenses for medical treatment of wounds and car damages caused by an accident. So, they do not charge any fee for evaluating all aspects that can be beneficial for their clients.

Finds out the reason for the accident – An efficient car accident lawyer can identify the cause of an accident and the person responsible for it. Experienced attorneys use their resources to find out all details about a car accident within a very short time. They also have experts for reconstructing the accident scene to get to the roots of it.

Checks the options of compensation – The party liable for an accident should pay compensation to accident victims. However, more than one party may be liable for paying this compensation, which is pointed out by a car accident lawyer. In the case of a truck accident, the truck driver, owner of the truck company, and the manufacturer of that truck can be held responsible and liable for paying the compensation. The car accident lawyers identify all the sources liable for compensating their clients and demand the required amount from them on behalf of their clients.

Collects relevant proofs of damages – The next job of a car accident attorney is to collect all the necessary documents required for claiming the compensation. The receipt of repairing the damages of the car, medical bills for the treatment of the injured, and proof of the subsequent loss of income due to this accident will be needed for submitting this claim. Moreover, the lawyer will also take into account the pain and trauma of accident victims, with relevant documents to prove his claim.

Coordinates with police and doctors – Car accident lawyers need to work in close coordination with policemen handling concerned accident cases, doctors and psychologists treating their clients, and witnesses of those accidents. They keep good terms with these professionals to establish the claims of their clients on a stable base.

Tries to negotiate with other parties – Normally, most insurance companies seem to be reluctant in paying large amounts of claims. So, experienced car accident lawyers try to negotiate with these insurance companies on behalf of their clients to receive their demanded claim amounts. Moreover, they tactfully handle all the tricks played by insurance companies or other parties liable for paying compensation. The first choice of these lawyers is to settle the claim without moving to the court, as that can be troublesome for all parties.

Stands for the client in the court – However, if a car accident lawyer ultimately fails to convince the insurance company or other liable parties for paying the asked claim amount, he needs to appeal to the court seeking justice for his client. He argues with the lawyers appointed by other parties in the court and finally manages to receive the compensation amount from them. He also convinces the judge about the sufferings of his client due to this accident.

Best Car Accident Lawyers in the United States

You need to find the best car accident lawyers in the USA, to fight your case of a car accident and get your compensation for all your damages. Thus, you need to check certain factors that will help you effectively in this regard.

Friendly attitude – A car accident lawyer should be friendly towards his client so that the distressed accident victim can feel comfortable while speaking openly with him. The lawyer should seem to be interested in taking up this case and solving it.

Valid credentials – It is better to check the relevant certificates of the lawyer, to make sure he has sufficient knowledge of this matter. However, highly reputed lawyers do not need to show their documents to each client.

Fees of the lawyer – Most car accident lawyers charge a flat fee for their services, which can be paid after receiving the compensation amount from other parties. These lawyers provide an estimate of the expenses that clients need to bear, to get their compensation claim from other parties.

There are many renowned car accident lawyers all over the USA. People need to contact the best ones in their city so that they can easily meet them for their accident cases.