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How much could I save?

Short-term car insurance, for as little as one day, is far cheaper now than it was a few years ago. Over half a million UK motorists have already bought policies and many of them do so regularly so they must find it affordable.

If you bought 365 single days' car insurance it would of course cost you a lot more than a one year policy! However this type of cover is not designed for long-term usage but for the odd occasions when a driver needs to insure a vehicle for a short time.

Like every other car insurance policy the premium would depend on several factors including age, driving experience, type of car to be insured, postcode, etc etc.

It takes less than a minute to get a quotation and you can do so without committing yourself in any way.

Is it safe?

All insurance companies operating within the United Kingdom have to be vetted not only by the Financial Conduct Authority but also by the Bank of England Prudential Regulation Authority. The purpose of this is to encourage competition whilst keeping an eye on the integrity and solvency of the regulated companies. In the unlikely event of an authorised insurer going bust customers could apply to the Financial Services Compensation Scheme for compensation if they were unable to get this elsewhere.

Can anyone get cover?

Again, like any other insurer the short-term companies have their own acceptance criteria. Generally, motorists need to be between 18 or 19 and 75, and to have held a full licence for at least 12 months to apply, and whether or not they could be accepted would depend upon the usual criteria such as their driving records, their occupation and the postcode area that they live in.

Can any car be insured?

Each insurer has a fixed list of vehicles which can be covered and any that are not on this list cannot be accepted. However the majority of vehicles in the UK do qualify.

As a general rule most insurers would expect the car to be an unmodified right-hand drive vehicle which was both registered and kept in the United Kingdom, with a maximum of eight seats including the driver's. It should be worth a minimum of about £1500 and whilst there is usually no limit to the maximum value of the car most insurers will not pay out more than £45,000 in full write-off value. Modifications to adapt a vehicle for a disabled driver or to run on LPG will normally be acceptable.

Can borrowed or hired cars be covered?

Most short-term insurance companies will cover cars which are both owned by the driver, or borrowed from someone else provided that the driver has specific permission from the owner to drive it. It is also possible to get cover for hired vehicles, provided that they are not owned by accident management companies or credit hire firms. When cover for a hired vehicle is available there is usually a higher excess be paid in the event of a claim.

Is it difficult to apply?

Provided that you have your driving licence details and registration details of the vehicle that you want to insure it is fast and easy to buy cover. The application form is usually a lot simpler than a standard car insurance proposal and it should take no more than a few minutes to arrange a policy. This can come into effect immediately or at another time and date within a month of the enquiry. Cover is for a full 24 hours whatever time of day or night you want it to start from.

Documentation including the insurance certificate is available online straight after purchase and it could be wise to download this and print it, or save a link on a mobile phone in case it is necessary to produce evidence of cover.

Is third-party cover available?

Generally, no. Cover is normally comprehensive for driving within the UK and third-party only, or the equivalent, in other countries of the EU (unlikely for a single day's driving but it does happen!); this can usually be upgraded to comprehensive cover for the payment of an extra premium. It is a condition of cover that journeys must both begin and end within the United Kingdom so a policy of this type cannot be used for exporting a car.

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