Temporary cover offers a short term solution to the problem of arranging car insurance on a car you don't need all year.
As an Admiral policyholder, you can get temporary cover on another car, or add a named driver to your policy. The table below indicates when Admiral can help with your short term cover and when you may need to speak to a specialist like tempcover.com.
How temporary cover applies to you:
When temporary cover is needed
If you're a parent and have a child returning from university for the holidays, you probably don't fancy becoming a taxi service for three weeks but don't want the expense of having them on the policy full time. With Admiral you can add a named driver to the policy temporarily.
If you buy a new car you may need cover to get you home from the garage, or until the renewal date of your existing car's policy if there are a couple of weeks left. We can insure that car short term on your policy, you just need to speak to our customer service team who will advise of any admin fees.
Temporary cover may be an option if you're off on a long journey and want to borrow a friend's car for the trip. Or, if you're moving house and usually drive a Micra but your friends have a spacious Mondeo you could borrow. Have you ever tried to fit a chest of drawers in a Micra? It's never going to work. In these circumstances a specialist provider would be able to help.
Why you may need it
If you need temporary cover it's generally because you have to arrange something quickly and don't want to organise 12 month's cover at short notice. Adding a car or driver, short term to your existing policy can be done quickly over the phone by our customer service team.
With temporary insurance the standard level of cover you get is fully comprehensive, giving you a higher level of cover than just relying on your 'driving other cars' extension which in most cases provides third party only cover. With Admiral, this means the temporary cover you have can be fully comprehensive even if your existing policy is third party, fire and theft.
If you choose to speak to a specialist insurer because someone is borrowing your car and an incident occurs, it's not going to affect your no claims bonus.
How can Admiral help?
As an Admiral policyholder, you have some options when arranging short term cover, whether it's getting a different car insured or adding an additional driver.
While you have a car insured with us, you can add a second car, short-term, without having to start a brand new policy. As long as the car is registered to you or an immediate family member, you can add it for up to 30 days. You may want to do this if you're selling a car.
Alternatively, you can add a temporary driver to your policy. For example, if you have a young driver home from university for the holidays.
Both options are subject to administration charges and terms and conditions would apply. Our Customer Services team would help you deal with this and advise of any additional charges.
Learner Driver Insurance
If you're learning to drive, Admiral's Learner Driver Insurance will cover you in mum or dad's car for 30, 60 or 90 days while you get to grips with the roads.
Our flexible cover is available to UK provisional licence holders who want to learn to drive in a family or friend's car, provided the owner has a full UK driving licence.
What's great about our cover is the main policyholder's No Claims Bonus won't be affected if you need to make a claim while you're learning. And, our 90-day Learner Driver Insurance starts from just £2.07 per day!
If you are looking to temporarily insure a car for a reason we can't help with, then there are specialist insurers out there who can. In the same way as when you are looking for annual car insurance, you can look to aggregator sites like confused.com for quotes.
Alternatively you could go directly to tempcover.com who provide short-term cover for a van or car for up to 28 days. Tempcover.com provides cover for drivers aged 18 to 75 so may be the perfect place to look if you do have a teenage driver looking to get insured on your car.
Tempcover.com can also offer insurance for prospective buyers looking to test drive a car, so whether you're the one buying or selling a vehicle it could help you get cover without having to disrupt your existing policy.
If you insure your car this way you are protecting your own no claims bonus and ensuring you are fully covered when taking to the roads.