Temporary Car Insurance for Borrowed Car

Borrowing a car is a fun but getting it insured is a pain, if you don’t have the right information and the details of the insurer. The UK car laws require the car to be insured for all the drivers who are going to drive the car. In case of a borrowed car, it becomes the responsibility of the car owner or the borrower to get it insured before driving. The annual insurance option won’t work in this case as borrowed car requires insurance only for small period. There are temporary car insurance options available for those looking for the insurance on borrowed car. The Temporary Car Insurance for Borrowed Car is offered by many companies for one day, one week, weekend or one month’s time. This type of insurance is usually offered for the period of 1 to 28 days. The period must be decided as per the time duration for which the car is borrowed. The one day comprehensive cover can also be purchased to have hassle free borrowing for a one day’s time.

The temporary car insurance for borrowed car is offered to the valid UK driving license holders only. The age of the driver must be from 18 to 75 years to be eligible for this type of temporary insurance. The driver must not have been disqualified from driving in the 2 years period. If the driver is not having full UK driving license, then he must have Provisional driving license or European Union license from at least 12 months of time. The driver should not have more than 2 fault claims recorded in 3 year’s time to be eligible for the insurance.

There are certain criteria for the borrowed car too that should be met before applying for the insurance. The car should not be modified to get the insurance. The vehicle should be registered in Northern Island, Isle of Man or Great Britain to be insured for temporary period. The temporary Car Insurance for borrowed car is offered to the cars having minimum market value of £1000. There are many car insurance companies that offer this insurance and the premium may also differ from company to company. The eligibility criteria and the claim procedure are almost same with minor differences. You can check the terms and conditions before entering into the legal contract. This will save you from future discrepancies.