Flexible Short-Term Insurance Options
Our temporary insurance is tailored for drivers needing coverage on a flexible, short-term basis. Common scenarios where our policies can provide support include:
- Shared Travel: Ideal for individuals sharing long trips and covering shared driving needs.
- Borrowing a Vehicle: Secure coverage when borrowing a friend or family member’s car.
- University Breaks: Coverage for students driving a parent’s car while home from university.
- Vehicle in Repair: For those needing an alternative vehicle while their own is being serviced.
- Collecting a New Car: Temporary insurance for picking up a new car before arranging long-term coverage.
- Moving House: Short-term coverage for moving-related vehicles, such as rental vans.
- Impound Retrieval: Insurance for retrieving an impounded car.
- Learner Driver Insurance: Temporary coverage options for those learning to drive.
Eligibility Requirements
Applicants for short-term insurance must meet the following criteria:
- Age: Between 17 and 78 years.
- Licence Type: Holds a valid UK, EU, or UK provisional licence.
- Residency: Must have resided in the UK continuously for the last 12 months, or be a returning UK expatriate.
- Driving Record:
- No more than 7 licence penalty points in the last 3 years.
- No disqualifications within the past 2 years.
- Maximum of 2 fault claims in the past 3 years.
- Criminal Record: Must have no criminal convictions or ongoing ASBO/CBO.
- Insurance History: No previously voided policies.
- Vehicle Requirements:
- Valued at a minimum of £1,500 (with claim limits up to £65,000, depending on the insurer).
- Must have a valid MOT and be roadworthy.
- Should be taxed unless tax is being arranged immediately after purchase.
- Insurer-Specific Rules: Applicants must review each insurer’s detailed requirements found in their Proposer’s Declaration.
Exclusions
Our temporary insurance does not cover:
- Modified Vehicles: Only modifications for disabled access are permitted.
- Left-Hand Drive Vehicles: Except left-hand drive motorhomes, which are eligible.
- Large Vehicles: Excludes coverage for vehicles with 8 or more seats and certain commercial models.
- Rented or Loaned Vehicles: This includes rentals, credit hire, and accident management vehicles.
- Hire and Reward: Does not cover vehicles used for paid goods transport (with limited exceptions for couriers).
- Racing or Commercial Use: Excludes racing, speed tests, or commercial and motor trade purposes.
- High-Risk Goods or Locations: No coverage for transporting hazardous materials or driving to risky locations.
- SORN Vehicles: Vehicles marked as Statutory Off Road Notification (SORN) are not eligible.
- International Licences: Only UK, EU, or UK provisional licences are accepted.
This summary ensures drivers have clear guidelines and know what to expect from our flexible, short-term insurance options.