List of Insurers for Temporary Car Insurance Cover

Getting insurance cover for a short period has become increasingly popular because of the flexibility that it offers. So whether you’re looking to get insured on a car you’ve borrowed for the day, looking for driveaway insurance or just want to get insurance for a couple of days rather than committing to a long term contract, temporary car insurance is the way to go.

Below is the list of companies offering short term car insurance together with the age restrictions that apply:

1. InsureDaily.co.uk: 21-75
2. Swinton: (provided through providentinsurance.co.uk): 21-75
3. Aviva (formerly Norwich Union): 23 or over (restrictions may apply)
4. DayInsure.com: 23 minimum but that may change depending on vehicle
5. TempCover.com: 24-75
6. DayCover.com: 24-75
7. DailyCover.co.uk: 24-75
8. eCarInsurance.co.uk: 25-75

As you can see, there are not that many insurers for temp cover at the moment and the others that I checked either redirect to one of the websites listed above or are just search a panel of insurers that they’ve got not necessarily specialising in short term cover.

Drivers’ Eligibility for Temporary Insurance

• You have a current full drivers licence (for a minimum of 1 year)-(Australian or USA/Canadian licences are unacceptable)
• You are aged 24 - 75 years
• You have no more than 6 penalty points on your licence in the last 3 years
• You have not been disqualified from driving in the last 5 years
• You have not had more than one fault claim in the last 3 years

Vehicle Criteria for Short Period Insurance

• The vehicle to be covered has not been modified, has no more than 8 seats in total, is registered in Great Britain, Northern Ireland or the Isle of Man
• You don't plan to use the vehicle for carrying passengers or goods for hire or reward.
• You require cover for a vehicle which you would be permitted to drive using a standard full UK licence
• The minimum market value of the vehicle to be insured is £1,500
• The maximum amount payable under this policy in respect of loss or damage to the vehicle is £40,000

Most of the insurers use the above criteria to see if a driver is eligible to insure the vehicle he wants to drive but some of them may use slightly different criteria.