Can you get insured on a car for a few hours?
It is now easy to quickly get car insurance for a few hours. In the past this would have been difficult if not impossible, but the demand for this product has given rise to a host of companies that deal exclusively in temporary car insurance. We work with Go Shorty who pride themselves in providing short term ca and van insurance to s f NI and UK licence holders. Other names that provide this type of cover include Cuvva, Veygo, Dayinsure,Tempcover and Marmalade.
What’s the shortest car insurance?
The shortest period of temporary car insurance is one hour and then hourly increments one hour car insurance, two hour car insurance, 3 hour car insurance up to 2 hour cover and then into daily car insurance. Maximum period is 28 days or monthly car insurance.
How much does temporary hourly car insurance cost?
The costs of hourly car insurance will depend on a number of factors. Two leading factors will be the car itself and the drivers claims history. When looking at the car, the insurance category will play a leading role in determining the hourly rate. Similar to standard car insurance, cars in the higher category will be more expensive to insure on a short term basis than cars n the lower brackets. The second important factors is the driver, drivers with a history of making claims will pay higher premium. Other factors include your profession, for example, NHS staff car insurance will be cheaper than a profession that involves time on the road.
| *** This is a rough guide only, the actual cost will depend on the vehicle and the driver | ||||
|---|---|---|---|---|
| 1 Hour Car insurance | £18 | |||
| 2 Hours Car insurance | £19 | |||
| 3 Hours Car insurance | £21 | |||
| 4 Hours Car insurance | £23 | |||
| 5 Hours Car insurance | £25 |
How long does it take to get hourly car insurance?
Getting cheap hourly car insurance is amazingly quick, under 5 minutes if you have all the details to hand, and you qualify, please see qualifying criteria under its separate heading
Do You Qualify for Hourly Car Insurance?
Check if you meet our requirements for hourly cover in Northern Ireland
Driver Criteria
Private car driver aged 18 to 75
Commercial vehicle driver aged 21 to 75
Held licence for at least 6 months
Licence types: UK, NI and EU/EEA
Maximum 2 claims in past 3 years
Maximum 6 penalty points in past 3 years
No driving ban in last 60 months
No criminal convictions or pending prosecutions
Never had insurance refused, cancelled or voided
Vehicle Criteria
Maximum value £60,000
No more than 8 seats and NOT a rental vehicle
Not modified (except for disabled driver adaptations)
Not imported and not left-hand drive
Has a valid MOT
Not declared as SORN
Meet all the criteria? Get your instant quote now!
Get Hourly Insurance Now →Does hourly car insurance cover business use?
The cover includes Social, Domestic and Pleasure + Commercial. Commercial use enables you to use your car to commute to work or visit clients. Commercial use does not provide cover for hire and reward services, example providing a delivery service working as taxi driver. At the moment, no providers offers temporary hire and reward insurance on an hourly basis.
When would I need hourly car insurance?
Hourly car insurance is in huge demand because it provides cover for just the amount of time that you need, some examples include:
- Driving a new car purchase home
- Sharing the driving there and back on a long drive or trip.
- Borrow a van for a few hours, in this case you will need hourly van insurance, both are readily available.,
- Taking your driving test, in this you may need 1 day car driving test insurance
- An emergency when you need to drive a car that you do not own.
Is comprehensive hourly car insurance available?
We have partnered with Goshorty who only offer fully comprehensive hourly and daily car and van insurance, other providers may provide third party cover.
How old do I have to be to get hourly car insurance?
This will depend on the use. If you are a learner driver, then hourly or daily cover is available for age 17 – 25. If you have your licence and need temp insurance purely for social use, then cover is available for ages 18-75. For business or commercial use, the age band is then 21-75