Need to insure a car, temporarily? Whether you want to borrow a car from a friend, test drive one that that wish to buy, share the driving on a long journey or even lend your car to someone else for a single day, several days or a few weeks, short term car insurance is easy to apply for.
Who can apply for temporary insurance?
Applications are welcome from UK motorists between 19 and 75, or visitors to the UK. Driving licences from any of the countres of the European Union (Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden) as well as those from Australia, Canada, The Falklands, Gibraltar, Hong Kong, Mauritius, Singapore, South Africa or Zimbabwe may also be accepted. Motorists who normally live outside the UK should enter the address they will be based at in the UK (a hotel or a friend"s house will be sufficient), not their home address.
Do I have to own the car I want to drive?
It isn"t necessary. You can insure a car that you own, or one that you have borrowed with the owner"s permission. Hired cars cannot be covered in this way however.
Why should I deal with you?
Sky Insurance Services Group Limited have been authorised to offer insurance products by the Financial Conduct Authority after a very thorough qualifying process. This means that they have systems in place to make sure that they treat you fairly and honestly. You can confirm this on the FCA register:
their registration number is 469048.
Can I insure a car in an emergency, or at short notice?
Applications only take a few moments to complete and you can get cover 24 hours a day, seven days a week.
How long can I insure a car for?
Just pick the number of days you want the cover for;
the minimum period is just one day, and the maximum is 28 days. So,
whether you just need insurance for one or two days, or up to a few
weeks, the process is just the same. Usually, the longer you insure a
car for, the less it costs per day. If you need more than four weeks you can take out another policy when the first one comes to an end.
What class of cover is it?
Cover is comprehensive whilst you are driving in the UK. If you take the vehicle
to Europe you would be insured for the minimum legal cover in each country of the EU (about equivalent to third party only) but this can be increased to comprehensive cover
for a small extra premium if you wish. Countries outside the EU cannot be covered by this type of policy.However, whilst driving on the continent is covered, journeys must both begin and end in Britain, so this cover cannot be used for exporting a vehicle.
Will I get roadside assistance?
Breakdown assistance is available as an optional extra.
Where can I find details of the cheapest price guarantee?
You can find the information here.
Which documents will I need?
You"ll need your driving licence details. If you are from outside the UK you will need your passport details too.
What time do policies begin?
That is up to you. Your temporary policy could begin immediately or you could book a time and date in the near future.For each day you buy, you get a full 24 hours of cover. In other words, if you have a one-day policy that begins at 9.00 in the morning, it comes to an end at 9.00 the following morning.
What does it cost?
As with all motor insurance, the premium will depend on factors such the driver"s age and experience, and which type of car is to be driven and how long it is to be insured for. Getting a quotation should take just few seconds so you can soon get an accurate, personalised quote very quickly.
How are documents delivered to me?
After you"ve bought your policy you"ll be sent a link from where you can download your documents. This is not a legal necessity but you may wish to print them out and carry them with you.
Is it safe to buy car insurance online?
All insurers operating in the UK have to be authorised and regulated by the Financial Services Authority (FCA), and they are checked regularly to ensure that they comply with all relevant government regulations, and treat their clients fairly and honestly. The FCA operate a compensation scheme
(which those of us in the insurance industry contribute towards) that you could claim against in the unlikely event of an insurer becoming insolvent.
How do I buy a policy?
Click on the quote button and you"ll be taken to the application form. To get a quote all you need to supply is your date of birth, postcode (or the postcode of where you are staying, if you are a visitor to the UK), the type of licence you hold, and the length of time you want to insure the car for. If the application is accepted in principle (most are) you"ll recieve a quotation. It then takes just a few more moments to complete the application and you"ll be free to drive the car you"ve chosen, legally.