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Daily car insurance and why you might need it

Your son or daughter has arrived home from university for the weekend and has asked if it would be possible to borrow your car for the day. Panic sets in as your precious 35 years of no claims bonus looks set to be put at risk – so do you take the chance of alienating your child by saying no – or do you take out a 24 hour policy? After a quick online search, you discover that buying this cover is really simple and quick. Within minutes you have received a quote and a few clicks later, your policy is confirmed. The look on your child's face when you say yes will be priceless.

Many Perfect Situations

There are many other reasons why a daily car insurance policy will be an attractive solution. Perhaps you will be borrowing your friends car or van for the day to move your belongings from one place to another. Maybe there is an emergency, where the loan of someone else's vehicle is vital, but their cover does not include you.

Then there is your beautiful classic E Type Jaguar, that only gets taken out for the occasional drive. Taking a 12 month policy would be expensive – far better just to insure it for the day. Another occasion may be if you are planning on a day out with friends and their car is more suitable. As you will be sharing the driving, protect your friends no claims bonus by taking out a 24 hour policy to cover yourself – your friend will really appreciate it.

What is Covered

Daily car insurance will provide you with cover while you are driving someone else's vehicle or they are driving yours. The cover is similar to a 12 month policy and is generally fully comprehensive, however it is possible to find companies that will insure third party, just carry out an online search. Many insurers will also allow you to take the car abroad for the day, such as popping across the channel to France, although there will be an additional charge for European cover.

Optional Extras

When you are comparing quotes, the cheapest is not always the best. It is very important to look at exactly what is covered in the price. For example, one company may include windscreen cover as standard, another may charge extra. Also check to see whether the daily car insurance includes legal and breakdown cover. If not, then do consider buying them as an add-on. Think about the optional extras carefully and take whatever you need for peace of mind.

Requirements For Car and Driver

It is very simple to purchase one day vehicle insurance online and you will be taken through the process step by step. The important papers that you should have handy are the drivers licence and details of their driving history. The issuing of the policy and the cost will depend on the driver's past record, taking into account any convictions, previous claims or disqualifications. Some companies will only insure drivers over the age of 23, but there are many that will consider younger drivers. Have the details of the vehicle you will be insuring to hand and also the date and time that you will want the cover to commence – and that is all there is to it! is a trading style of Prudent Plus Ltd of Booths Hall, Booths Park, Chelford Road Knutsford Cheshire WA16 8GS, which is registered in England, company number 10104295.

Quotes are provided by Sky Insurance Services Group Limited with whom we have a trading agreement only and who are authorised and regulated by the Financial Conduct Authority no. 469048. We receive from them a commission per policy purchased; this will not affect the premium you pay for your policy in any way.