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1 Hour Car Insurance
Compare Cheap 1 hour Car Insurance
Needing car cover but when you say temporary you really mean it? No problem, a 1 hour car insurance policy could be just the coverage for you.
What is 1 hour car insurance?
1 hour car insurance is essentially the shortest kind of temporary insurance available to drivers in the UK. It will cover you in the same capacity as a standard car insurance policy, depending on your level of coverage naturally. The three levels of coverage that can be taken out are:
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Third party only (TPO): This is the minimum level of car insurance required under UK law, and is essentially intended to protect other drivers when you take to the roads. To that end third party insurance covers the cost of damage to a third party’s vehicle if you’re involved in an accident and you were at fault, but it isn’t always the best car insurance policy (even if it is occasionally the more affordable car insurance option) because it will not cover the cost of repairing or replacing your own vehicle.
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Third party, fire, and theft (TPFT): This is similar to third party insurance, but will also pay out if your own car is stolen or damaged by fire.
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Comprehensive cover: As the name suggests, fully-comp is the most comprehensive level of cover a driver can take out in the UK, and as such it’s generally the best car insurance option. This type of policy includes everything that’s covered by TPFT, but will also cover the cost of repairing or replacing the vehicle of an at-fault driver. This type of insurance will also pay out if you’re involved in an accident with an uninsured driver, which isn’t covered by lower levels of cover.
There are many reasons why you may need to take out a temporary car insurance policy. These can include borrowing another persons car, learning to drive in a car not owned by an instructor or even just test driving a car you may be thinking of buying.
Can you really insure a car for an hour?
Absolutely, in fact it is a fairly popular insurance product. There are varying types of temporary car insurance available, for example if you only want to insure your car for the minimum amount of time possible then an hours coverage will be ideal. If you need a full day the 24 hour car insurance will also be an option. Most insurers offer coverage ranging from 1 day to 28 days and the exact duration is entirely up to your needs.
What are the benefits of taking out 1 hour car insurance?
One hour car insurance coverage can offer you the coverage you need for the time you need it. This means you won’t being paying for insurance longer than you need to.
- Insurance for the duration you need
- Cheaper than a full annual insurance policy
- Protects no claims bonus
Should I get 1 hour car insurance?
Ultimately you’ll need to be covered for whenever you are driving on UK roads. The type of insurance you use is completely up to you, however if your situation only requires you to be insured for driving a short time then taking out a temporary policy is probably the most economical decision.