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 30 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 2017, and is part of the Admiral Group. It 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, who is authorised and regulated by 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 tool for learner drivers. You can register your provisional license 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.
If you drive for more than 30 days in a 12 months period using Veygo car insurance, you can earn a year’s no claim bonus to use with Admiral’s annual car insurance policies.
It’s important to note that, if you own a car, you cannot simply get temporary car insurance whenever you want to use it. Even if you only drive it on rare occasions, it is illegal to hold a car without a valid insurance policy, unless you send a Statutory Off Road Notification (SORN) to the DVLA, declaring your car if off the road. This is a little complex and should only be done if you know you will definitely not need to use the car for at least a couple of months. When your car is registered as SORN, you also get a refund on your car tax.
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)
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 windscreen damage (£25) or replacement (£95).
Check the policy schedule for full details concerning excess payments.
What is the claims process for Veygo car insurance?
If you find yourself needing to make a claim, you can call Veygo’s claims hotline on 0330 134 8647.
The claims hotline is open 8am – 9pm on weekdays, 9am – 5pm on Saturdays and 10am – 4pm on Sundays. If you call out of hours, you will be redirected to a third party company which will start the claims process with you.
Pros and cons for Veygo temporary car insurance
- Flexible insurance for whatever time frame you need.
- The cover begins as soon as you purchase it.
- The policy won’t affect your no claims bonus of the car owner.
- Veygo short-term car insurance gets expensive if you’re looking for cover that’s approaching 30 days.
- You’re not covered abroad with this insurance.
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 shop around 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.