Temporary or short-term car insurance allows you to take out comprehensive car insurance on another car for a few days at a time. Or someone else can take out temporary insurance on your car, as long as they have your permission.
This means that rather than being added as an additional named driver on the main driver's insurance policy, the extra driver takes out their own insurance.
This can often be cheaper than adding a driver to an annual policy and also has the added benefit that in the event of a claim following an accident, the main policyholder won't lose their no claim discount.
If you prefer to add someone to your insurance policy, it's possible to insure them on your car for a few days. LV= allow you to add an additional driver temporarily for up to 42 days.
Plus you can also add another car to your existing policy for a short time. For example if you've bought a new car, but still need to drive your old one whilst you sell it.
You can take out temporary car insurance for as little as one day, so when you're looking for a suitable policy, remember it could be called short-term car insurance or daily car insurance.
Always check with your insurance provider what level of insurance you have if you're taking out temporary car insurance.
When you drive another car, you can sometimes be covered for third party only insurance with your existing policy. But this won't cover you for damage done to the vehicle you're driving if you have an accident. It makes sense to upgrade to comprehensive car insurance when you drive someone else's car.
There are lots of occasions when temporary car insurance could be useful
Temporary car insurance is calculated in the same way as annual car insurance, so there may be some restrictions on whether you can take out this type of insurance if you are a newly qualified driver, a young driver or you have points on your licence.