Temporary car insurance vs. Annual car insurance
What is short-term car insurance?
Short-term car insurance is a temporary car insurance policy designed to provide comprehensive cover during the limited period when you’re actively driving a vehicle. It’s a versatile solution that caters to various needs, from brief one-hour trips to coverage spanning up to 28 days. One Day Insurance offers comprehensive short-term car insurance options, ensuring that you receive the same level of protection as you would with standard annual insurance. The distinctive advantage of this short-term cover lies in its flexibility and freedom, making it suitable for situations such as borrowing a friend or family member’s car, test drives, road trips, or any scenario where you need temporary vehicle coverage without the constraints of a long-term commitment.
When would I need to use temporary insurance?
Temporary insurance is the ideal solution for drivers requiring only short-term cover for their own vehicle or someone else’s car. There are many situations where typical annual insurance is not suitable, and instead may require you to get temporary car insurance:
Borrowing a friend or family member's car
Road trips
Drive away coverage for taking home your new car
Test driving a new car before you buy
That IKEA trip
Car sharing/ share the driving on long journeys
Emergency situations
Insuring a courtesy car
Staycations and weekends away
Seasonal use
Students back from university for the summer
Visiting friends and family
Getting to weddings or other big events
Using a car for work travels
What is short-term car insurance?
Are you a regular driver? Do you only use a car every now and then? Are you off on a road trip in a friend’s car and want to split up the driving duties? Depending on your driving needs, what you need out of your car insurance policy will vary. It’s important, therefore, to look at the differences and similarities between temporary insurance policies and traditional annual car insurance cover, in order to determine which is the right one for you!
Annual insurance policy
Annual Fixed-Term
Cancellation fee
Annual policy costs
Coverage varies on policy chosen
No claims discount affected if added to annual policy
Takes a while to get annual policy
Temporary car insurance policy
Flexibility of temp
No cancellation fee
Only pay for what you need
Comprehensive cover as standard
No claims discount not affected for car owner’s
Temporary insurance approved in minutes
*savings due to only paying what need, no cancellation, saved costs for owner if accident and no claims affected
What factors impact my quote for short-term car insurance?
Prior accidents:
Previous claims will affect the cost for temporary car insurance policies via One Day Insurance
Personal info:
Certain personal factors, including age and driving experience, are considered in your quote
Vehicle type:
The size and model of your vehicle can impact the cost for temporary cover
Location:
Certain areas are deemed higher risk, therefore, location is taken into account for your quote
Excess:
Depending on the amount of excess you decide to pay, the rate for temporary car insurance will vary
Policy length:
The length of cover you require will impact the cost of your short-term insurance quote
Curious to find out how much our short-term cover will cost? Our car insurance quote tool will inform you how much you could pay for our temporary insurance.
Find out how much a temporary car insurance policy might cost you
Need temporary insurance for your own car or someone else’s? Want to find out how much temporary car insurance costs? Use our car insurance quote tool to discover just how cheap short-term car insurance can be.
Get temporary car insurance with One Day Insurance to get instant short-term cover, whether it’s for your own car or a friend or family member’s car.
Get temporary car insurance that is right for you
We can offer you a flexible temporary car insurance policy that meets your specific time-frame requirements. From hourly up to monthly short-term cover, get temporary car insurance that is right for you.
Hourly Insurance
Daily Insurance
Weekend Insurance
Weekly Insurance
Monthly car insurance
Get temporary car insurance for up to a month, and remain free from the constraints of an annual car insurance policy.
How can I get a temporary car insurance policy?
Finding temporary car insurance policies via One Day Insurance is quick and easy. Follow these three simple steps to secure short-term cover for either your personal vehicle or someone else’s within minutes!
Complete our quick and simple online form
Get a quote and choose the right one for you
Pay online for instant short-term car insurance
Discover more about our temporary car insurance policies and the different types we offer; from 1 hour up to monthly car insurance, we’ve got the right temporary cover for you!
Guides and inspiration
Get informed, get inspired – read our blogs to find out more about short-term car insurance and how it could be the solution for your driving needs.
