Temporary Insurance

[Scabutz]

I'm borrowing a family car for a couple of weeks and want to have full comp insurance. Purely because it's a new car and the person I'm borrowing from is precious. I've never had an accident or dinged a car in 26 years of driving.

Anyway. I googled temporary insurance and filled in a quote form and it came out as about 140 quid for 2 weeks. It's only an A4 diesel estate.

For our main car we pay about 350 quid a year.

Are there better options, or would I be better being added as a named driver to the owners policy?

[richglobe]

Hi, being added as a temporary driver to their policy would be easier but if not try a company called Veygo which are online and will quote and insure you in minutes. £150 might be the average price to be honest from past experience.

[bencollins4]

Yes, best option is get added as a driver on their policy. Might cost very little.

[Marc p]

I’d recommend being added to the policy rather than taking out temp insurance, not only will it likely work out cheaper, if you do happen to have an accident, I bet the temp insurance companies are likely not the best to deal with.

Alternatively, maybe you could just take out a policy on the car and cancel it after a couple of weeks?

[jonwm]

I've used CUVVA a few times, did it by the hour so only insured it whilst using it (car was covered by owner) so over the week I had it i would insure it few hours here and there in the day and overnight or the days I didnt use it just left it as it was covered by the owner.

I was paying as little a £6 for 2 hours at 1 point, it's cheaper at non rush hour times etc. Unless your are driving 24/7 it could be an option.

[Scabutz]

Thanks all, will investigate the cost of getting added to their policy.

[brillomaster]

silly question, are you still going to be driving your usual car, alongside the borrowed car? if not, just swap your insurance onto the borrowed car, then when you're done, swap it back to your usual car?

assuming you're happy to park your usual car up somewhere in a safe place, given it won't be insured for a period...

[Scabutz]

brillomaster said:

silly question, are you still going to be driving your usual car, alongside the borrowed car? if not, just swap your insurance onto the borrowed car, then when you're done, swap it back to your usual car?

assuming you're happy to park your usual car up somewhere in a safe place, given it won't be insured for a period...

Yeah, thats why we are borrowing the car. I WFH and we went down to 1 car when that started. My wife still needs it and I need to be able to get to places daily for just a couple of weeks.

[Somebody]

Scabutz said:

Thanks all, will investigate the cost of getting added to their policy.

You might be surprised. I added my brother in law for 2 weeks (he’s 4 years older than me) and got a £1 refund of premium!

[Bennet]

Take out a normal policy and cancel it within 14 days.
They will charge you for the time covered, plus their admin fee, then refund the rest in full.

I've done it several times. Last time I did this, the Admiral group's cancellation was just £25. It may be higher nowadays.

[V 02]

Bennet said:

Take out a normal policy and cancel it within 14 days.
They will charge you for the time covered, plus their admin fee, then refund the rest in full.

I've done it several times. Last time I did this, the Admiral group's cancellation was just £25. It may be higher nowadays.

Some policies dont have an admin fee if done online, which is even better.

It’s usually more effective if you take it out on a monthly rate rather than annually (if your insurance rates are high you might find it difficult to put up the whole cost)

[Mr Tidy]

I've had two cars on my policy in the past after buying one before selling the one it replaced and it wasn't expensive, so adding it temporarily might not be too expensive.