Covered and Excluded under Temp Insurance?
Short term car insurance provides comprehensive or third party
coverage for policy holders against loss, theft, damage, fire
or vandalism to your insured vehicle, as long as you follow
all terms, conditions and exemptions, as outlined under the
Short term insurance protects the designated driver and
vehicle against legal liability arising from an incident or
accident. It covers liability to third parties - a person's
injury, death or property damage - up to the stated policy
limit. Some policies include cover for legal costs (legal
representatives and solicitor fees) related to any incident
covered under this policy. The insurance company will take
over your legal defence or arrange for a reasonable settlement
on your behalf.
Temp insurance often covers liability for others qualified to drive
vehicle, driving with your permission (when the certificate of
motor insurance identifies that driver as being allowed to
drive your vehicle), any person using but not driving your car
for social purposes and any passenger travelling in, entering
or exiting your vehicle.
Accessories, like car radios, might be covered if they are
designed to be removed from the vehicle (for security
purposes) and cannot function without being attached to said
Short term car insurance usually covers new car replacement based on
the UK list price, if the car is stolen and not recovered. It
can also cover "uninsured loss recovery" when involved in an
accident with someone without insurance.
Any incident must occur within the "territorial limits" as
defined by the insurance policy.
The temp insurance policy will clearly list the designated
driver, vehicle number and "description of use". Short term
insurance permits vehicle use for social, domestic, pleasure,
commuting and often limited business purposes too (leasing and
contract-hire usages are normally prohibited). Anyone, not abiding by
the terms, conditions and exemptions as outlined under the
insurance policy, will nullify the insurance cover, as they
will of course with any insurance policy.
Insurance companies demand reasonable actions aimed at
preventing theft, damage or accidents. Thus, when they keys
are left in the ignition during a theft, many policies won't
reimburse the policy holder.
Temp insure cover will not provide for mechanical, electrical
or computer breakdowns, malfunctioning or failures. It does
not cover for the vehicle's loss of value after a repair.
Confiscation by a public authority, damage to tyres by
puncture and damage due to aircraft sonic booms are usually not
Pollution (or contamination) from structures, air, land or
water are normally excluded. Other exclusions can include biological,
chemical or nuclear terrorism. Any damage resulting from an
insurrection, revolution or war is also generally excluded.
Short term car insurance won't reimburse policy holders for
claims that might be covered under another insurance policy.
Any fraud, forged documents or illegal activities nullify
Driver Eligibility Requirements
Most UK short term car insurance
is usually only available to drivers who have held
and continue to hold a full, valid UK licence for the previous
year. Some insurance companies will respect an EC or EEA
licence; expatriates (expats) might qualify with an EC licence
for duration of UK visit.
Drivers must usually be between the ages of 24 and 75.
Insurance companies will consider the number of endorsements
and "penalty points" on your driving licence. They will also
consider the number of "fault claims" you have filed. They do
not want drivers to have any prosecutions or police enquiries
Vehicle Eligibility Requirements
The vehicle should be registered in the UK to be eligible for
temp insurance; the policy holder will need to provide the car
registration number. Multiple vehicle coverage is available.
Temp insurance cover will not be made on vehicles owned by
vehicle rental or hire companies.
Large vehicles with more than eight seats or weighing more
than 3.5 tonnes will not be covered.
Vehicles customised "after market" might not be covered.
"Description of Use"
The car must be used for social, private or specific limited
business purposes. It cannot be used for criminal activities
or with hazardous goods.
You must take all reasonable actions to prevent loss or damage
to your vehicle and maintain it in good condition. The
insurance company reserves the right to inspect your vehicle
at any time.
European cover is an option for driving in member countries of
the European Union (EU). Carefully read the separate EU
regulations that would apply. Some insurance companies will
cover non-EU countries like Croatia, Iceland, Norway and
Temporary breakdown coverage is also available.
Don't pay for insurance cover you don't need. Temporary or
short term insurance is a great cost-effective way to address
vehicle insurance requirements for additional drivers
or alternative vehicles, fitting around your own particular
activities and schedules.
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insureshortterm.co.uk is a
trading style of Prudent Plus Ltd of Booths Hall, Booths
Park, Chelford Road Knutsford Cheshire WA16 8GS.
Quotes are provided by Sky Insurance Services Group Limited
with whom we have a trading agreement only and who are
authorised and regulated by the Financial Conduct Authority
no. 469048. We receive from them a commission of £16 per
policy purchased; this will not affect the premium you pay
for your policy in any way.