Temporary Third Party Car Insurance

Temporary Third Party Car Insurance is an alternative to the 12 months insurance cover, but it is a short term policy for day or weekly driving. It is more economical to buy a temporary Third Party Car Insurance than to buy an annual insurance policy. It is applicable when you want to borrow a car and he is not covered by the existing insurance. Short term car insurance third party only is an excellent way to insure yourself, the car and other motorists for a specified period. You will need to shop around to get a temporary cheap insurance third party only cover.

What is a Temporary Car Insurance?

A temporary car insurance is short term insurance cover for a short duration, usually between 1 and 28 days. It is a common policy with drivers during for short duration. You can sign up for temporary car insurance in the following circumstances:

  • If you are a young driver
  • If you are driving for a short duration
  • If you are hiring or borrowing a car
  • If you are learning to drive
  • If you are taking a test drive or buying a new car
  • If you are drive sharing

Temporary Car Insurance Under 21

Temporary car insurance cover is available to all drivers aged between 18 and 75 years as long as they have a UK driving license. However, every insurer has its own set of restrictions. Therefore, it is not uncommon to come across some insurers not willing to provide the cover to people aged less than 21. Also, if you have a history of motor convictions or you have made many motor insurance claims, it might be difficult to get temporary car insurance.

Temporary Third Party Car Insurance UK Levels

Temporary Third Party Car Insurance covers you against the cost of repairing a car or property belonging to a third party. When you get to Europe, you notice that your monthly or weekly insurance has dropped to the short term car insurance Third Party Only cover. In this case, if you cause an accident, you will have to pay for the repairs of your car, while the insurer will compensate the other motorist. For temporary car insurance, you have an option to choose from a fully comprehensive cover, Temporary Third Party, Fire and Theft and Temporary Third Party only insurance.

Temporary Third Party Insurance Only

Temporary Car Insurance Third Party only cover is the legal minimum requirement that every car in the UK should have. It covers you when you damage a third party’s car or property when you are driving. It also caters to the costs of treating any injuries a third party may experience.

Temporary Car Insurance Fire and Theft Only

Temporary Third Party, Fire and Theft insurance covers your car against damages or loss due to fire or theft. The cover will replace your vehicle in case it is lost or destroyed by fire. It also covers the third party in the event you damage their car or property while you are driving. Temporary car insurance third party, fire and theft will also cater to the cost of treating injuries that a third party may experience as a result of your driving.

Fully Comprehensive

This is the highest level of cover a car can have. It insures you, your car and other motorists in the event of an accident. The insurance covers the insured vehicle against loss or theft and damage. It will also pat for the costs of fixing the other car that is involved in an accident with the insured vehicle. It will also pay for the costs of treating injuries to a third party or the cost of fixing the third party’s car or property that is damaged while you are driving.

Temporary Third-Party Insurance Comparison

Third-party car insurance compare prices can be done online on insurer’s websites. You can as well shop around as you compare temporary third party car insurance prices.
Normally, a temporary car insurance third party only policy insures you against:

  • Damage caused to another person’s car or property
  • Injury caused to a passenger or a driver or another car while you are driving
  • Injury to a passenger inside your car

The following items are not covered by temporary third party car insurance:

  • Damages to your car
  • Medicals costs if you are injured in an accident
  • Repair or replacement costs if your car is damaged by fire or stolen

If you are not driving for a long time, then it is economical to take a temporary third party car insurance cover. It is also economical if your car is not very expensive. The cost of repairing your car could go high beyond its actual value. You can also sign up for the cover if you feel that you can meet the cost of repairing the car.

Short term Car Insurance Third Party Only

Many people assume that temporary third party car insurance covers are cheaper compared to the fully comprehensive insurance covers. It might not be the case with all the insurers. It is because the number of claims made determines prices. Temporary 3rd party car insurance can be compared based on price, cover level or monthly payment.

If you wish to get a cheap temporary car insurance cover, you can consider the following:

  • Choose a cheaper car without modifications
  • Increase your voluntary excess
  • Consider black box insurance
  • Build a no claims discount
  • Limit your mileage

Temporary Third Party Car Insurance Companies UK

  • Dayinsure. They offer short term comprehensive temporary car insurance ranging from 1 to 28 days. You can add up to 4 more other drivers to the policy. You can apply online and drivers with up to 8 points can be insured. However, you cannot manage your policy online. You can buy the policy while you are teaching your child to drive.
  • Insuredaily.co.uk. You can apply for temporary car insurance if you are aged between 19 and 75 years. You can apply, pay and manage the policy online. A driver with up to 6 points can be insured.
  • Veygo by Admiral. This is an excellent temporary car insurance option for people with shared driving. The cover is available for between 1 hour and 30 days. You can buy the policy online and build on your No Claims Bonus.

Further Reading