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Temporary motor insurance is usually arranged in a hasty manner because of the circumstances that call for a policy of this nature:
- If your vehicle breaks down, you can use temporary insurance to protect yourself while using the vehicle of a friend or your spouse.
- If you want to conduct a test drive on a used car, a temporary policy will provide cover for the hours or day so that you can thoroughly check every aspect of your potential purchase before you commit.
- If you’ve just bought a brand-new car, you can grab temporary car insurance to allow you to legally drive it home within minutes and show your family.
These scenarios may not feel like the right opportunity to stop, think and shop around for the best policy for you, but the potential savings you could achieve by doing so will make it worth your while.
Now that we have smartphones, temporary car insurance can be arranged on the go, in only 5 – 10 minutes. Spending an extra 10 minutes could save you up to £200. Does that sound worth your time? If so, then continue reading to find out our tips on finding the cheapest temporary car insurance.
Tips for finding the best value temporary car insurance:-
Find an appropriate comparison
Traditional price comparison websites don’t cater to temporary insurance, so you’ll have to work a bit harder to compare car insurance across different providers.
When searching for a provider on Google, one tip is to not focus on the ‘sponsored’ links at the top or even the top-ranked organic results. The businesses that pay to be featured or have successfully ranked in the top three are paying costs to do so. To turn a profit, these businesses will need to charge you more to cover their marketing expense.
Therefore, allow yourself to scroll a little further to find reliable and relevant websites a little off the prime time online real estate. This is the same principle as finding a restaurant a couple of streets away from a prime tourist hotspot to source a better value meal.
Be aware that temporary insurance can start from one hour of cover
Many people wrongly assume that because of how annual car insurance works, the minimum increment of time that can be insured is one day. This isn’t true.
Don’t be fooled into buying a whole day if you only need to test drive a vehicle within a single hour window. Providers like Dayinsure allow customers to book insurance for a minimum of one hour – which can be half the cost of a full day.
Remember to enter your information accurately
Trivial sounding details like your location or the age of the vehicle you are being insured upon can all influence the cost of a policy quote. Pay attention to the specifics to ensure that the quote you are being served with is the most accurate.
When an insurer asks for your job title or profession, it can sometimes be difficult to find the perfect match in the dropdown. If you feel like multiple answers are the best compromise, then try running quotes for each suitable answer. This is worthwhile because different jobs will attract different prices. case you find that one way of factually describing your role attracts a lower price.
