Temporary Vehicle Insurance

Who we cover

We cover drivers who wish to be insured to drive a vehicle for a short period of time for reasons such as:

• You wish to share a long drive.
• You need to borrow someone else's car.
• You want to drive your mum/dad's car whilst home from university.
• Your car is being fixed so you need to borrow someone else's car.
• You're buying a new vehicle and want to collect it and get it home before arranging an annual policy.
• You need to drive a different vehicle e.g. a van to move house.
• You need to collect an impounded vehicle.
• You are learning to drive.

Eligibility criteria

• You must be aged between 17 and 78 years old.
• You must hold a UK driving licence, an EU or International driving licence or a UK provisional driving licence.
• You must have been a permanent UK resident for the last 12 months or a British expatriate who has previously been a permanent resident of the UK.
• You must have no more than 7 licence points in the last 3 years.
• You must not have been disqualified from driving for the last 2 years.
• You must have no more than 2 fault claims in the last 3 years.
• You must have no criminal convictions, a current Anti-Social Behaviour Order (ASBO) or Criminal Behaviour Order (CBO).
• The minimum vehicle value is £500 and the maximum claim for a vehicle is capped at £65,000 depending on the insurer chosen.

What we don't cover:

• No vehicle modifications allowed (except for those designed to aid disabled drivers).
• Left hand drive cars (we do insure left hand drive motorhomes).
• Cars with more than 8 seats in total.
• Commercial vehicles with more than 5 seats in total.
• Use for hire or loan vehicles (i.e. vehicle rentals, vehicle salvage/recovery agents, credit hire vehicle/companies and accident management companies).
• Use for hire and reward, racing, pace-making, speed testing, commercial travelling or use for any purpose in relation to the motor trade.
• Use for carrying hazardous goods or use at a hazardous location.