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Do you need One Day Car Insurance?

One day car insurance has been around since 2005, and has become increasingly popular with motorists in the UK because it offers suitable, cost-effective cover when the driver only needs to use a car for a short period.

Some people don’t require a car on a day-to-day basis, of course, either because they live in the middle of a city or large town, or because they prefer to walk or take public transport.

However, there are times when having the use of a car would be enormously convenient…and other times when it might be essential.

Fortunately, one day car insurance means you can borrow a car from a friend or a family member for a day at a time and take out temporary car insurance to cover you while you’re driving it.

It’s also worth noting that many insurers offer drivers the option to choose a temporary policy that ranges from 1 day to 28 days, so if you’re planning a slightly longer trip this type of cover should still meet your needs.

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How do I find the cheapest one day insurance?

Many mainstream insurance providers in the UK don’t offer policyholders one day insurance, but there are a growing number of specialist firms that do. The key to finding the cheapest day insurance policy, then, is to get a quote from each of these insurance providers and go with the one that offers the best policy at the lowest price.

A list of UK-based insurance providers that specialise in One Day Car Insurance is available here.

Can I get Day Insurance if I’m under the age of 21?

Quite a few temporary car insurance providers do insist that their policyholders must be at least 21 years old, but there are one or two firms who will offer 1 day cover to drivers aged 19 or older.

If you’re under the age of 19 then your only option is likely to be temporary learner driver insurance (it probably goes without saying, but that type of cover is only suitable if you haven’t passed your driving test yet).

What are the age limits when taking out One Day Car Insurance?

Most insurance providers have a minimum age limit of 19 when taking out day insurance, and some may even insist that policyholders are at least 21 years old.

If you’re under the age of 19 you will likely only be able to take out temporary learner driver insurance.

Older drivers should also bear in mind that most temporary car insurance companies have an upper age limit of 75, so if you’re in your 80s you might struggle to find a suitable one day insurance policy.

How long do you need to have held a full driving licence to take out one day insurance?

While there may be one or two insurers that are willing to offer temporary cover to young drivers that have only just passed their driving test, the vast majority will only provide cover if you’ve held a full driving licence for at least a year.

The main exception is temporary learner driver insurance, which is available to drivers with a provisional driving licence.

If I have fully-comp insurance will I already be covered to drive a friend’s car, or will I need to take out One Day Insurance too?

In the past most fully-comprehensive car insurance policies provided their policyholders with third party cover for other cars, which meant you could borrow a vehicle from a friend or a family member without having to take out temporary insurance.

Some fully-comp policies still include this ‘any car’ cover, but a growing number don’t. That’s why it’s vital that you double check your policy documents before you get behind the wheel of someone else’s car…and take out day insurance if your fully-comp policy doesn’t include this cover.

Can temporary car insurance policies include additional named drivers?

Yes, some temporary car insurance providers allow motorists to take out One Day Insurance for up to two drivers, which could be handy if you’re planning a road trip and would like to split the driving between yourself and a friend.

Is One Day Car Insurance suitable if my car has been impounded?

When a motorist is picking up a car that has been impounded they will need to have insurance for the vehicle before they can drive it away. However, temporary insurance that is only valid for one day won’t be suitable in this case, because the rules stipulate that the car has to be insured for at least 30 days.

Fortunately, one or two providers of temporary car insurance do allow drivers to insure the vehicle for up to 30 days, so temporary insurance should be suitable if you ensure it covers a 30 day period.

Can you earn a No Claims Bonus with this type of temporary car insurance policy?

A No Claims Discount (or No Claims Bonus, as it’s also known) is usually based on the number of years a driver has gone without making an insurance claim, and as such it isn’t usually possible earn this type of bonus when you take out short-term car insurance instead of annual insurance.

Is One Day Insurance an option for learner drivers?

Yes, many temporary car insurance specialists have created short-term car insurance policies specifically designed for learner drivers, which can be hugely helpful if you’d like to practice in a friend’s or family member’s car when you’re learning to drive.

It’s important to stress, though, that if you are learning to drive in a friend’s car you must be accompanied by someone who is at least 21 years old and has held a full driving licence for at least three years.