We’ve checked out the temporary car insurance through Sky Insurance. The broker says it can arrange instant cover for 1 hour up to 28 days.
The temporary car insurance offered through Sky Insurance comes comprehensive as standard. This broker says it can cater to learner drivers, owners of impounded cars or those wishing to travel around Europe. Here’s what else we think you should know.
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Who is Sky Insurance?
Sky Insurance has been going for more than 30 years and is a specialist insurance broker offering a wide range of products including car, van, household and business insurance, along with temporary cover, and protection for learner and young drivers. It also offers specialist car insurance for imported, modified and performance cars.
Sky Insurance is the trading name of Sky Insurance Services Group Ltd.
Sky Insurance’s policy features
- Flexible insurance. You can choose cover from just one day up to 28 days.
- 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.
- Instant cover. Get instant cover from the moment you purchase.
What does Sky Insurance’s temporary cover include?
Here are some of the benefits of Sky Insurance’s temporary car insurance:
- Accidental damage
- Fire and theft damage
- Legal liability
- Third party EU cover
- Comprehensive EU cover (optional)
- Excess protection (optional)
Beyond the standard cover benefits above, any other benefits to your temporary car insurance policy will vary depending on the insurer that is able to provide the cover through Sky Insurance.
Check your policy details carefully to ensure you have the right cover for your needs.
Can anyone take out Sky Insurance’s temporary car insurance?
Unfortunately not. Sky Insurance stipulates that drivers must be aged between 19-75 and hold a full and valid UK, EU, EEA or another Commonwealth licence, which has been held for at least 12 months. While learner drivers must be aged at 17 or over.
Each insurer that underwrites a Sky Insurance policy has its own set of eligibility criteria that both you and the car must meet to get short-term car cover. This criteria varies between the four insurers so you would need to check the details carefully when obtaining a quote.
What is my excess?
Your 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.
Any excess with Sky Insurance will vary depending on the insurer providing the cover but you’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Sky Insurance’s temporary car insurance?
As Sky Insurance works with four different insurers for its temporary car insurance, you will need to refer to your actual policy document to verify who your insurer is and then find the insurer’s respective claims line details.
Keep your policy details, personal contact details and information relating to the incident to hand when making your claim.
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
Pros and cons for Sky Insurance
- Comprehensive cover as standard
- The cover can begin instantly
- Cover can be enhanced with extra protection
- You can only pay upfront
- Limited third party EU cover as standard
- Cover for a maximum of 28 days only