(ii) You may need to insure an additional driver for a short period, say for a mini-break. Online short term car insurance cover can do this quickly and efficiently for you, rather than going through the process of trying to add the driver to your main annual insurance policy. Our temporary cover is Comprehensive, so you can relax knowing that the driver is properly insured.
Being in the business for a very long time, I have found that most people are clueless about insurance, even most agents who sell them. I will agree that their rates are cheap. But I wouldn’t recommend them. Inexperienced adjusters. They do not fully investigate. The policy does not cover like, kind, and quality which is bad if you have a new vehicle.
This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.

To get the most value out of your car insurance, make sure you’re only paying for the time you need to drive. It’s unlikely you’ll be driving for more than a few hours in a day. If this is true for you, it might be worth buying an hourly car insurance policy. If you’re only going to be driving a car for a couple of hours, it could help you save money. 
Hi Stephen – I think you’re doing the right thing – as long as the premium continues to be reasonable compared to the competition. Even though we obsess on low rates, quality of service matters. It does little good if you get the cheapest policy, then they stick you when you have a claim. With must auto claims there’s going to be a human error factor (especially with new drivers), and you can’t be with companies that will hold that against you to such a degree that it seems like they no longer want your business.
Collision coverage is very important for protecting your vehicle against the financial loss that comes with physical damage to your vehicle. It's not hard to get into accident. When an accident happens, someone is always at fault, and that could be you. Collision insurance will cover damage from a collision with another vehicle, tree, pole, guardrail and most other possible roadway hazards.

(iii) The 'Driving Other Cars' extension offers limited cover. Some people have a 'Driving Other Cars' extension on their own insurance policy. This covers the policyholder only; and not any additional named drivers. Should you be involved in an accident, the 'Driving Other Cars' extension would not cover you for any damage to your friend's car – only the 'third party' involved. In contrast, if a short term insurance policy was taken out, this cover is comprehensive, meaning the vehicle would be covered, even in the event of a fault accident.

Hi Stephen – I think you’re doing the right thing – as long as the premium continues to be reasonable compared to the competition. Even though we obsess on low rates, quality of service matters. It does little good if you get the cheapest policy, then they stick you when you have a claim. With must auto claims there’s going to be a human error factor (especially with new drivers), and you can’t be with companies that will hold that against you to such a degree that it seems like they no longer want your business.
Learner Drivers often like to gain some extra practice in a parent’s or friend’s car in addition to taking driving lessons with an DVSA approved instructor – or sometimes have all their lessons with a parent. With the average learning period of several months, it works out more efficient to purchase short term learner drivers insurance as a separate policy. Not only is it cost efficient – it also prevents any accidents affecting the bonus of the main policy held by the car owner. With this type of cover, it is imperative that the car is already insured by the owner and that policy is running for the full period of the temporary learner cover; as this is purely ‘top-up’ cover.

The key difference in collision vs. comprehensive coverage is that, to a certain extent, the element of the car driver's control. As we have stated before, collision insurance will typically cover events within a motorist's control, or when another vehicle collides with your car. Comprehensive coverage generally falls under "acts of God or nature," that are typically out of your control when driving. These can include such events as a spooked deer, a heavy hailstorm, or a carjacking.

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