Have you ever needed to drive someone else’s car but cannot be added to their policy? 
Is a car uninsured and you need it covered to MOT it or take it to get serviced? 
Do you need to hire a van but the hire company doesn’t offer insurance for you?
Are you looking to test drive a car for the weekend but the dealer cannot add you to their policy or wants to charge a huge excess?
If the answer to any of the above is yes the “Temporary car insurance” is an answer for you.
As long as you know the registration number (or full details) of the vehicle you can obtain a quote from us and instant cover can be granted.  Before contacting us please read the Eligibility Criteria
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Call us on 08454 301030 or 01276 804997 (8.30 – 6.00 Monday to Friday)
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Complete the call me form

 
Eligibility Criteria
Policyholder & additional driver must:
•    Be a permanent UK resident for at least 12 months;
•    Be aged between 21 and 75 years;
•    Hold current, full and valid UK/EU driving licence for at least 12 months;
•    NOT have a provisional licence;
•    Have no more than 7 penalty points in the last 3 years and have no prosecution or police enquiry pending;
•    Have had no more than 2 fault claims in the last 3 years;
•    NOT have been disqualified from driving in the last 5 years.
The vehicle must:
•    Only be used for social domestic and pleasure purposes unless otherwise stated that business use by the policyholder is permitted;
•    Not be used for hire or reward, racing, pace making, speed testing, commercial traveling or use for any purpose in connection with the motor trade;
•    Have a current value of less than £28,000, unless the vehicle is a demonstrator vehicle in which case the vehicle value must not exceed £40,000;
•    Have no more than 8 seats in total;
•    Be right-hand drive only;
•    Be registered in Great Britain, Northern Ireland or The Isle of Man;
•    Not be used to carry hazardous goods;
•    Not be used or driven at a hazardous location.
Other important information
•    Foreign use is NOT permitted for any demonstrator vehicle or courtesy car;
•    Vehicles, other than demonstrators or courtesy cars, which have been on cover with Readycover cannot be granted cover again within 16 days of the end of the previous policy;
•    Commercial vehicles must NOT exceed 4 litres in engine capacity or 3.5 tonnes in weight.
Compulsory Excess
•    In addition to any Voluntary Excess you may choose, there is a Compulsory Excess of £250 in respect of any claim you make.
Vehicle modifications
•    Vehicles fitted with manufacturer specified optional extras, fitted at the time of manufacture are acceptable
•    Vehicles modified to cater for a disabled driver or a disabled passenger are acceptable.
•    All other post manufacture modifications (cosmetic or performance related) are not acceptable.
Road Licensing (Car Tax):
Short Term Insurance certificates provide evidence of insurance in the format prescribed by Road Traffic Act legislation. However, the DVLA and UK Post Offices will not accept electronically downloaded documents for road fund licence purposes. Therefore, you cannot purchase temporary insurance under this arrangement for the purpose of obtaining a road fund licence. Road fund licences should be obtained using documentation supplied by the provider of appropriate annual insurance cover on the relevant vehicle.
Impounded Vehicles:
Short Term Insurance certificates cannot be used for the purpose of recovering an impounded vehicle.