1-Day Car Insurance: All You Need to Know

What is 1-Day Car Insurance?

1-day car insurance, also known as Short Term or Temporary Car Insurance, is a type of policy that covers drivers for up to 24 hours. It is usually cheaper than a traditional car insurance policy and is ideal for those who need to drive a car on a short-term basis. It is also used by drivers who need to borrow a car from someone else, such as a friend or family member, and need to insure it for a short period of time. 1-day car insurance can also be used by drivers who need to test drive a car before they purchase it.

Who Can Get 1-Day Car Insurance?

Most car insurance companies offer 1-day car insurance policies. However, not everyone will qualify for a 1-day policy. Generally, 1-day policies are only available to drivers who are aged between 21 and 75, have held a full UK driving licence for at least 12 months, and have not had any motoring convictions or points on their licence in the past five years. In some cases, the insurer may request proof of address, such as a utility bill, to verify the applicant's identity.

What Does 1-Day Car Insurance Cover?

1-day car insurance policies usually include the same level of cover as a standard car insurance policy. This means that the policy will provide Third Party Only cover, which is the minimum legal requirement for driving in the UK. In some cases, the policy may also include additional cover such as Third Party, Fire and Theft cover, or even Comprehensive cover. It is important to check the level of cover provided when taking out a 1-day policy.

How Much Does 1-Day Car Insurance Cost?

The cost of 1-day car insurance will vary depending on the insurer and the level of cover required. Generally, 1-day policies are much cheaper than standard car insurance policies, as the insurer does not need to take into account the driver's previous driving history or no claims bonus. The cost of the policy will also depend on the age of the driver, the type of car being insured, and the duration of the policy.

How to Get Cheap 1-Day Car Insurance?

There are a few ways to get cheap 1-day car insurance. Firstly, it is important to shop around and compare prices from different insurers. It is also important to make sure that the policy covers all the necessary requirements, as some insurers may offer cheaper policies but with limited cover. Finally, it is worth considering taking out an annual policy, as this may be cheaper in the long run compared to taking out multiple 1-day policies.

Conclusion

1-day car insurance is an ideal option for drivers who need to drive a car on a short-term basis. It is usually much cheaper than a standard car insurance policy and is available to most drivers aged between 21 and 75. It is important to compare prices from different insurers and make sure that the policy covers all the necessary requirements. Finally, it is worth considering taking out an annual policy, as this may be cheaper in the long run compared to taking out multiple 1-day policies.