Note that some providers won’t cover drivers under the age of 25 for this type of short-term cover. Policies may also stipulate an upper age limit on drivers of 75.
You can start the clock ticking on your policy from the moment you set up the policy. Alternatively, set the start date for a later time depending on when you need the cover.
As well as taking out cover for just a 24-hour period, it’s also possible to buy policies that stretch to a few days, a few weeks or several months.
To keep down the cost of the premium you’ll be asked to pay, one option is to choose to pay a higher voluntary excess. In the event that you make a claim, the excess is the amount that you are liable to pay before the insurer picks up the remainder.
What’s covered?
Drivers who take out a one-day insurance policy usually receive fully comprehensive cover as standard. Third party cover (the legal minimum for UK drivers) as well as third party, fire and theft insurance are also provided by some insurers on a short-term basis.
It’s also possible to pay for add-ons to your core policy, such as breakdown cover. If you’re planning on driving to Europe for a day trip, you can add on cover for driving on the mainland continent as well.
Remember that the more extras you add on, the greater your premiums will become.
Is one-day cover available for all cars?
Generally speaking, yes, providing the car in question has a valid MOT and no more than eight seats. Insurers may decline to cover expensive vehicles, however. Cars worth more than £50,000, for example.
If you need cover for a very expensive car, your only option may be to find a specialist insurer in this sphere.
