Are you borrowing a family member’s car for the weekend? Maybe you need to insure someone else on your car for the day? Whether you need cover for a day, a week or a month, it’s important to make sure you have the right protection behind the wheel.
InsureDaily offers temporary car insurance from just 1 hour up to 3 months and comes at the highest cover level as standard, so if you only need short-term cover, it may have a policy suitable for you.
Who is InsureDaily?
InsureDaily is a specialist insurance provider that provides short-term car and van insurance solutions. If you need temporary car insurance, you can get cover from 1 hour to 3 months. The InsureDaily website is operated by Ramasis Limited, which is authorised and regulated by the Financial Conduct Authority.
InsureDaily temporary car insurance is underwritten by Markerstudy Insurance Company Ltd.
InsureDaily’s policy features
Flexible insurance. You can choose cover from 1 hour up to 3 months.
Comprehensive cover. The highest level of cover comes as standard. If you are responsible for causing an accident, you’ll be protected for damage to other people’s vehicles or property and for your own vehicle against accidental damage and vandalism. You’ll also have protection against any fire damage or theft of your car.
Unaffected annual no-claims discount. A claim made on a temporary policy won’t affect any no-claims discount built up on an annual policy.
Instant cover.instant cover from the moment you purchase.
What does InsureDaily’s temporary cover include?
With InsureDaily’s short-term car cover, you get a range of benefits including:
Accidental cover
Malicious damage, fire, theft and vandalism
Theft of in-car entertainment, communication and navigation equipment
Up to £20 million for damage to other people’s property
Third party liability cover whilst towing
European cover
Permanently fitted sound and telephone systems up to £250
Legal obligations to third parties for injury or damage claims
Can anyone take out InsureDaily temporary car insurance?
Unfortunately not. Insure Daily’s short-term car insurance policy does come with an eligibility check list for both you and the car:
You must:
Be aged 18-75
Have held a full UK, EU, EEA or Commonwealth licence (at least 3 years for non-UK licences)
Have no more than 6 penalty points on your driver’s licence in the past 3 years
Have had no more than 2 accidents, claims or losses in the past 3 years (regardless of blame)
Not have been disqualified
The car must:
Be right-hand-drive
Have a minimum value of £1,500 and a maximum value of £65,000
Not be modified
Not be impounded
What is my excess?
Your car insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your motorbike and your riding experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
InsureDaily also offers optional excess protect insurance which provides cover for the reimbursement of the policy excess you will have to pay when you make a claim on your InsureDaily policy and whilst driving in the UK only.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for InsureDaily?
If you need to make a claim on your Insure Daily policy, you can call the Claims Team on 01707 518 377 and you should make sure to call within 24 hours of the incident occurring.
To report a claim, you will need the following information:
Your full name, address and contact telephone numbers
Vehicle make, model and registration number
Exact location when the incident happened
Incident circumstances
Third party details – vehicle make, model, registration number, address and insurer details (if applicable)
Independent witness details (if any)
Police officer details (where applicable)
InsureDaily pros and cons
Pros
Instant, comprehensive cover for anything between 1 hour and 3 months.
If you need to, you can claim without affecting the main owners no claims bonus.
European cover.
Cons
There is a detailed eligibility check list which may prevent a number of people qualifying for cover.
Can only pay upfront
Our Verdict
InsureDaily may have limited policies but what this specialist insurer does have, works well, especially as comprehensive comes as standard.
You’ll need to pay up front but not everyone will be able to get cover from InsureDaily. It has eligibility criteria that you and your car will need to fit before you can get cover. But this is generally the same for other insurers offering temporary car insurance.
Get started by visiting InsureDaily’s website and sign up for an policy. If you have read this review and decided that InsuranceDaily is not for you, you can also compare other temporary car insurance policies on the market.
Frequently asked questions
Yes. If you wish, temporary cover can start instantly.
No, you will only be able to pay for your temporary car insurance policy in one upfront payment.
As InsureDaily can arrange cover for a maximum of 28 days, you would essentially need to take out two concurrent policies. Once the first policy runs out after 28 days, you would then need to buy a new policy for the remaining period.
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Esther Wolffowitz was a publisher at finder.com specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE).
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