When it comes to car insurance, it’s all about choice. If you’ve reviewed your policy and found it no longer suits your needs or budget, or if you’ve found a better deal elsewhere, it might be time to switch car insurers. Here’s what you need to know
Do I need Home and Contents Insurance?
If you’re a homeowner, Home and Contents Insurance is one of the most important types of cover you can buy. Without it, you may be left to foot the bill for expensive but necessary repairs to your building, or have to pay thousands of dollars to replace your stolen or damaged valuables.
Even as a renter, it’s important to make sure you are financially protected with the right level of renters insurance cover. That doesn’t just go for your most prized possessions, but also any damage to your landlord’s house and fixtures that you may be responsible for.
Our guide outlines when you might need to take out a one day car insurance policy, and explains how one day car insurance works
Most car insurance policies run for a full year, and at the end of this term you can choose to let the policy auto-renew or shop around for a better deal. But there are many situations in which you might want to take out cover on someone else’s car temporarily, or take out temporary cover to allow someone else to drive your car.Even if you’re using a car for just one day it’s important to have adequate insurance cover, so you must make sure you take out an appropriate insurance policy.
If you’re borrowing a car you could choose to be added to the car owner’s insurance as a named driver. However, if you only need cover for one day this option is unlikely to offer the best value.
You could also affect the main policyholder’s no claims bonus if you’re involved in an accident and need to make a claim on their policy.
If you have your own comprehensive cover on another car, you may have ‘driving other cars’ cover included. This will cover you to drive another car for a day, but bear in mind this may only include third party cover. ‘Driving other cars’ cover is not included with all policies, so make sure you check your insurance documents carefully rather than assuming you’re covered to drive another car.
If you only need car insurance for a day, your other option is to take out a temporary car insurance policy. Temporary car insurance companies typically offer cover from 1 to 28 days, although there are some specialist insurers that provide specific one day car insurance policies.
One day car insurance policies usually include comprehensive cover, meaning you’ll be insured for any damage caused to the car you’re driving — rather than third party cover, which is the minimum legal requirement in the UK. With a one day car insurance policy you won’t affect the car owner’s no claims bonus if you’re involved in an accident and need to make a claim.