In the UK it is illegal to drive a vehicle without the proper insurance, a valid driving license and a proper ministry of transport certificate or MOT certificate. Every year in the UK thousands of people are caught because they did not have the proper insurance for the car they were driving.
A common misconception is that your car insurance will cover you for driving other cars or the owner of the other car has insurance that will cover you to drive their car. Whilst in some cases this may be the case in all likelihood if you have not checked with the insurer then you are probably driving illegally.
One way to remedy this situation and avoid a fine, points on your license or possibly a custodial sentence or the car being seized is to get temporary insurance for your car. Not many people realise that they can insure themselves to drive any car or van for as short a time period of just one day.
A daily car insurance policy means that you can pay for just one days cover and legally be able to drive a car that may not even belong to you. There are many situations that a short term car insurance policy may be useful.
Often if a friend, relative or child may want to borrow your car you will have to add them onto your policy. This means adding them as a named driver which if they are young or an inexperienced driver may cost you a fortune. Plus in most cases you will have to alter your policy for annual cover.
If you add a named driver to your policy and they have an accident it could affect your no claims bonus, not to mention bump up your premium for the next year. One solution for this is for the person borrowing your car to get a short term policy.
Temporary car insurance can be obtained online and you will be cover immediately, you can even print out a cover document on your own computer. There are no lengthy forms to fill in like with your normal annual car insurance renewal so it does not take much time to get a policy. Payments can be made with a credit card so it can all be done from home.