If you need to borrow a car for a house move or a trip, or if you’re learning to drive and want to practice on a friend or family member’s car, you will need to get car insurance cover.
In some instances, you might be able to join the car owner’s policy, but that is most likely to mean that their no claims status will be affected if you have an accident and need to claim. No one needs that level of responsibility.
Veygo’s car-sharing insurance policy offers comprehensive, temporary car insurance from as little as 1 hour up to 60 days. It is particularly useful for learner drivers, but can be a good solution for anyone looking to get cover for a short period of time.
Who is Veygo?
Veygo is a UK-based insurance company that was founded in 2016, and is part of the Admiral Group. Veygo specialises in learner-driver insurance and temporary car insurance.
The company aims to help young drivers and drivers who need to borrow someone else’s car by providing them with an affordable way to get them on the road.
Who underwrites Veygo’s car insurance?
Veygo is part of the Admiral Group, and is administered by EUI Limited. It is underwritten by Admiral, which is authorised and regulated by the UK financial watchdog, the Financial Conduct Authority.
There’s more in the policy schedule about the underwriters of the policy.
Veygo learner driver insurance
Veygo is a particularly useful service for learner drivers. You can register your provisional licence and add the details of the car you wish to drive, or even multiple cars if you’re an extra lucky learner!
Whenever you want to practice, you log in to Veygo’s app and pick the car you want to drive (the details all get saved for easy access), or add a new one. Cover is instant and comprehensive.
The best thing about it is that you won’t affect the no-claims discount status of the car’s owner if you have an accident, which should prevent any family riffs or fall-out with friends.
Once you’ve passed your test, you simply update your details on the app to say you are now a fully qualified driver. You can then take out Veygo’s temporary car insurance when you need to, if you want to borrow someone’s car.
Note that you can’t just get temporary car insurance for your own car whenever you want to use it. Even if you only drive it on rare occasions, it’s illegal to own a car without a valid insurance policy, unless you declare it as SORN with the DVLA. This isn’t recommended unless you know you definitely won’t need to use the car for at least two months.
What does Veygo’s comprehensive cover include?
Veygo’s temporary car insurance provides comprehensive cover while you’re on the road. Features include:
Accidental damage
Fire and theft damage
Standard accessories and spare parts
Any permanently fitted audio/visual equipment
Lock replacement
Liability to other people
Windscreen damage
Legal cover
Personal injury cover (optional)
Personal belongings (optional)
What’s covered under my policy?
Product Name
Veygo Temporary car insurance
Veygo Learner driver insurance
Damage to your car
✓
✓
Damaged windscreen and window glass
✓
✓
Fire and theft
✓
✓
Personal accident cover
✓
✓
Medical expenses
✓
✓
Personal belongings
✓
✓
Liabilities to third parties
✓
✓
No-claims discount
✓
No-claims discount protection
The main driver will be covered
Replacement locks
✓
✓
Permanently fitted audio equipment
✓
✓
How much is my excess?
An excess is the amount of money that you must pay when you make a claim. The amount of your excess can change depending on factors such as your car and your driving history.
With Veygo car insurance, the accidental damage on most policies is set at £750. However, some customers are able to choose an excess as low as £250, depending on the policy details.
If you don’t take photos of your vehicle before and after the policy starts, and then need to make a claim, you may have to pay an additional excess of £250. There is also an additional excess for glass repair (£25) or replacement (£50).
Check the policy schedule for full details concerning excess payments.
What is the claims process for Veygo car insurance?
Veygo operates online-first through customer account portal if you need to make a general claim. For immediate vehicle recovery assistance, use 0333 016 5112, open Monday to Friday 9am – 5pm, and Saturday 8am – 2pm. For assistance outside these hours, use 0344 243 8884. For windscreen claims, use 0333 220 2025 (Autoglass).
Pros and cons for Veygo temporary car insurance
Pros
Flexible temporary insurance for whatever time frame you need.
The cover begins as soon as you purchase it.
The policy won’t affect the car owner’s no claims bonus.
Third party liability cover in Europe (minimum)
Cons
Veygo short-term car insurance gets expensive if you’re looking for cover that’s approaching 30 days.
Our verdict
As it’s powered by the very well established insurance company Admiral, Veygo is a trusted brand.
It is particularly useful for learner drivers, as you can cover yourself to practice on a friend or relative’s car for a couple of hours at a time. The best bit is that if you dent your mum’s car while attempting to parallel park (easily done!), she can get it fixed without affecting her own no claims bonus.
Veygo’s app is free and easy to use, with customers getting access to immediate cover in a matter of minutes.
If you’re going on a slightly longer journey, you might want to compare other temporary car insurance policies to get the best deal, but if you only need cover from a few hours up to a couple of weeks, Veygo short term insurance is a good option.
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Ronny Lavie was a deputy editor at Finder, specialising in insurance content. She has almost a decade of experience writing about financial topics, including five months spent as the interim managing editor for the Fintech Times newspaper. Ronny has a Master of Arts in Creative Writing from London Middlesex University.
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