If you are looking to get temp cover for your vehicle so that you can drive it insured for a shorter period then this is what you will need to know.
What are your alternatives if you cannot get temporary car insurance.
If you are new to this type of cover you need to know what it is and how it works.
You will want to know why it can be difficult to get short term insurance as a young driver and what are the alternatives if you cannot find an insurer.
Temporary cover allows you to insure yourself to drive either your own vehicle or a vehicle that belongs to someone else that you have permission to drive.
It means that you can get insured just for the amount of time that you need to drive greatly cutting down the cost of insurance.
The length of cover can start from just one day making it a fast and convenient method of legally getting insured.
As with any type of insurance, and car insurance is not different, the higher the risk to the underwriter the more expensive the premiums are going to get.
If for example you have had several accidents and have driving convictions it is going to make it a lot harder to get cover.
As young drivers, particularly young male drivers are classed as a high risk group then the cost of premiums is much higher.
With short term temp cover as the policy only lasts a short time and the premiums are much lower compared to an annual policy the risk is much greater to the insurer.
This has meant that most underwriters have now stopped underwriting drivers under the age of 21 for this type of policy.
If you are unable to get a policy to cover you for between 1 and 28 days then there is an alternative.
The next closest temporary insurance policy is the monthly pay as you go plan.
This provides drivers as young as 17 with cover on a monthly basis with a minimum of 1 months cover.
For those of you who have been finding it difficult to find a temporary policy then pay as you go is your next best alternative.
There are no deposits to put down or any cancellation fees and you can take out cover for as many months as you need at one fixed monthly rate.