Weekly car insurance
Only need a weekly car insurance? We'll steer you in the right direction.
Whether your car is broken down and you’re borrowing a friend’s, or you want to cover that awkward period in between your annual policy ending and selling your car, you might be looking for a weekly car insurance policy.
If you only need it for a week or four, there aren’t tonnes of options out there. However there are certainly still a few.
In this guide we look at what weekly car insurance is, who might need it and whether it’s actually any good. So when it comes to comparing different weekly policies, the process shouldn’t drive you up the wall.
How does weekly car insurance work?
Weekly car insurance is a form of temporary car insurance, which you can typically get from anywhere between 1 hour and 28 days.
The weekly option does exactly what it says on the tin – you get the insurance for a week. Rather than just for an hour, a day, or for the whole month.
Who might wish to consider weekly car insurance cover?
- Shared driving. Whether you’re driving with your family to see a relative, or heading on holiday with friends, you might want to share a car to keep fuel costs down. Getting weekly car insurance might prove cheaper to amending your own policy.
- Borrowing a car. Your car could be broken down and you’re borrowing a friend’s? Or sharing a family car while at home from uni? Whatever the case, weekly car insurance is easy to get and affordable.
- Going to a car rally. For any car enthusiasts out there, a weekly policy could cover you while you take your classic car to a rally.
- Moving house. If you’re moving house in a different city and looking to borrow a car or van from a friend or family member to shift your belongings, then weekly car insurance might be the way.
- Buying a new car. If you’ve bought a new car and don’t have sufficient time to find annual cover right away, a weekly insurance might be the best option.
- Selling a car. Equally, a weekly policy could cover the awkward time between your annual policy ending and selling your car. Although, you can get a Statutory Off Road Notice from the DVLA.
What does it cover?
Much like other temporary policies, weekly car insurance is generally less flexible than annual policy. So, with longer term car insurance, you might be able to choose between fully comprehensive, or third party and theft and fire coverage.
With weekly car insurance, though, you can usually only take out comprehensive coverage.
Weekly car insurance also covers your no-claims bonus if you’re lending a car to someone. Should the driver using your car has an accident, that won’t be affected.
Similarly, if you have a no-claims bonus on a regular policy, this won’t be penalised if you have to claim for an accident on your weekly car insurance while driving another vehicle.
Who is not covered?
There are exceptions, however, to whether a provider will give you a weekly insurance policy. Here are some of the general reasons you or your vehicle might not be able to get weekly car insurance.
- Type. Weekly insurers may only give you a policy if you’re driving a car or a van.
- Vehicle age. Generally weekly insurers won’t give you coverage if your vehicle is over a certain age.
- Modifications. Providers might not take kindly to modifications of any kind to your vehicle.
- Value. You might not be able to get weekly insurance if your car or van is valued too high, as providers can set upper limits.
- Residency. Some providers might check that you’ve lived in the UK for the past few years, or were once a long term resident if you’re visiting the country.
- The driver’s age. Weekly insurance providers might not give you coverage if you’re over a certain age – potentially as young as 65.
Is weekly car insurance expensive?
When compared with other short term cover options, weekly car insurance can be good value for money. Yet, that’s only if you think you’ll use the car frequently throughout the week.
If you’re just going to drive for a couple days, or even a few hours, then you’re probably better off getting an hourly or daily policy.
Ultimately, short term car insurance is a quick-fix insurance solution. If you think you’ll need temporary insurance for a month or longer it might be a better idea to to buy an annual policy.
After all, when you break it down to how much you’ll spend daily, temporary car insurance is more expensive than annual policies. However, before making any final decision, you need to also factor in any cancellation fees that could be incurred if you come to cancel your annual cover.
How can I save on weekly car insurance?
The best way to cut costs on weekly car insurance is to look around. By comparing the different companies out there you can find the best quote for you. Here’s a breakdown of the steps you should take.
- Compare and contrast quotes. If you’ve already got a can insurance policy it’s worth contacting your existing provider to find out how much it would cost to get additional cover. After that, you can compare this side by side with weekly insurance quotes. You can get these from insurance companies’ websites in the blink of an eye.
- Haggle with your existing provider. You might be able to get your existing car insurance provider to drop their price if state that you’ve found a lower quote elsewhere.
- Consider your coverage needs. Do you really need the insurance for the whole week? If not, then cut costs by taking our hourly or daily insurance instead.
- Discount codes and coupons. Here at finder, we’re in the loop when it comes to discounts and deals. If there is a discount or offer on temporary car insurance we will be the first to let you know and elicit those savings you’re after.
What you need to get a quote
- Provide your details (License, address, date of birth etc.)
- Government approved photo ID (Or a photocopy of one)
- Declaration of all incidents you’ve been involved in
- Permission from the owner of the vehicle
- The date and time you’d like your cover to start
- Details of the vehicle you’d like to insure
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