1 Day Car Insurance

As you may well already know, car insurance in mandatory in the United Kingdom, unless of course you don’t intend driving you vehicle on any public roads. What many people in the UK don’t realise is that even if you’re simply driving a new car from the showroom to your home, you still need adequate insurance in place.

Perhaps your home is only a mile and a half away from the showroom, but if you get stopped by the police, and you don’t have insurance, they will treat you the same way they treat all drivers who get caught without insurance. In other words, you’re going to get a fine, you’re going to get points against your license, and they are not going to allow you to drive the car away either. Bear in mind that if this happens to you, insurance is likely to cost you more than it would otherwise have, simply because you will already have what they term to be a poor driving record.

1 Day Insurance Options

Now, even though the law requires you to have insurance, you do however have several options available to you, each with its only set of benefits. For example, at the very bottom end of the scale you have third party, fire and theft cover. This cover is the cheapest and most basic. Generally speaking, it covers you against fire damage and/or theft and it also covers any damage to a third party’s property. For example, if you were to hit someone, this type of cover would pay for all damage to the other driver’s car, but it will not cover the car you were driving.

Distracted dangerous driving

On the opposite end of the scale you get fully comprehensive cover. This is the most expensive form of cover, but has the most benefits. Basically, fully comprehensive cover covers virtually everything. If you’re in a collision, you insurance company will pay for all repairs and/or replacements concerning both your own car and the other person’s car. Depending on what exactly you’ve opted in for, this type of cover may very well also cover any belonging you may have had in the car, whether they got damaged in an accident, or whether they got stolen from your car.

Of course, even though insurances policies are much the same, irrespective of which insurance company you choose to use, the cost of those policies can vary tremendously from one provider to the next. Shockingly enough, the difference can amount to hundreds of pounds per year. When it comes to temporary insurance, or at least 1 day insurance, the difference in rates can be even more staggering.

Example of getting 1 Day Car Insurance

Why would anyone want or need 1 day car insurance? Buying a new car is just one example. Another example would be if you intend purchasing a secondhand car, but you plan to carry out quite a bit of work on it before actually taking it on the road. 1 day insurance would allow you to legally drive the car home, and of course then you also would be paying for insurance even though you’re not even using the car. Perhaps you don’t own a car of your own, and a friend has told you that you can use his or her car over the weekend. Just because you friend has insurance, that doesn’t mean you’re entitled to drive under their cover, unless their policy includes “all drivers”, which is not very likely because such privileges cost quite a bit extra.

Temporary cover or 1 day cover can also sometimes save you money if you intend hiring a car, but here again, a lot depends on who you get your cover from. Don’t for a minute assume all the large insurance companies are out to offer you a great deal. To the contrary, many insurance companies don’t like providing 1 day cover simply because when that cover expires, you could end up going elsewhere. As such, they would much rather have you sign a one year contract. To stay competitive, they have to offer short term cover, but that doesn’t mean they want to.

If for whatever reason, you require temporary insurance or 1 day insurance, it’s always best to look for a provider that actually specializes in this type of cover. This is what they do, so they don’t really have any reason to bump up the premiums just to make longer term insurance seem more appealing. Quite often, insurance companies will say that drivers requiring 1 day car insurance pose a higher risk, but here again, this is nothing more than a feeble attempt at justifying over-inflated rates.