All the pieces You Must Know About One Day Automobile Insurance – Night Commonplace


As a motorist, you probably know best about getting a full year of auto insurance. But what if you only need to be behind the wheel for a short period of time within 12 months?

This is where one-day car insurance comes into play. This is how it works.

When you are behind the wheel of a car, you need car insurance. It is illegal to drive without it, even if you only plan to use a vehicle for a day, for example.

If you only want to drive a car temporarily, you must first check whether you are already insured. If you are a named driver under the policy of the car you want to drive, you already have liability insurance.

What is daily auto insurance?

Especially if you live in a big city like London, even if you have a driver's license, you may not necessarily own a car.

But what if you want to borrow a friend's car for a once-in-a-lifetime trip? Or are you moving and were offered a van so that you can transport your belongings to a new address?

Instead of taking out full auto insurance for a full year or asking a friend or family member to tweak an existing policy, it is possible to take out insurance instead that is much shorter than the usual 12 months.

This is known as one-day car insurance and is also known as “temporary” or “short term” car cover.

A great benefit of taking out temporary insurance is that you can adjust it to suit the time you know you will be driving. Aviva, for example, offers insurance cover from one hour to 30 days.

Where can I buy day protection?

You can go straight to the insurers, but another option is to go online and use a comparison page to check a number of one-day policies side by side.

There is a wide range of offers available provided you have been driving for a number of years and hold a full UK driver's license. In order to calculate the premium you should pay, insurers take into account a variety of details, including yours:

  • Age
  • address
  • job
  • Driving license details

Insurers also need to know the make and model of the car you want to drive and when to start coverage.

Note that some providers do not cover drivers under the age of 25 for this type of short-term insurance. The guidelines may also impose an age limit for drivers of 75 years.

You can have the clock of your policy ticking from the time the policy is set up. Alternatively, you can set the start date to a later date depending on when you need coverage.

In addition to 24-hour insurance, policies with a term of a few days, weeks or several months are also possible.

To keep the cost of the premium you have to pay down, one option is to pay a higher voluntary deductible. In the event of a claim, the excess is the amount you have to pay before the insurer collects the remaining amount.

Drivers who take out daily insurance usually receive fully comprehensive insurance as standard. For the short term, some insurers also offer liability insurance (the legal minimum for UK drivers) as well as liability, fire and theft insurance.

It is also possible to pay for additional services to your core policy, such as: B. breakdown insurance. If you're planning a day trip to Europe, you can get travel insurance on the mainland too.

Remember that the more extras you add, the higher your rewards will be.

Is there daily protection for all cars?

Generally yes, provided the car in question has a valid MOT and no more than eight seats. However, insurers can refuse to cover expensive vehicles. Cars worth more than £ 50,000, for example.

If you want to insure a very expensive car, your only option may be to find a specialist insurer in the field.

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