Temporary Car Insurance NI
Unbelievably fast comprehensive cover, Drivers aged 18-75, Protect the vehicle owner’s No Claims Discount
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Why Temporary Car Insurance Northern Ireland is in Big Demand
In Northern Ireland, as well as in the UK, you’re legally obligated to get at least third-party cover for using any car on the road. That includes cars that you’re only driving as a one-off or even just parking on the road.
The minimum punishment for having a car uninsured is a fine, and if driving on the road, you will usually get points on your licence. The most likely outcome of driving without the correct insurance is having the vehicle impounded. You will then need to pay a fine and take out special impound car insurance to get the vehicle released from the pound.
Visitors or residents in Northern Ireland may need a short term insurance NI policy for a car for many different reasons. The majority of use cases are for holidaymakers, errands like moving house and transporting large items, or any reason that you’d need to drive a different car than usual for a short time.
This can be the car of a friend that you want to borrow, with permission of course, or a car that you’re renting to gain access to greater capacity. It could also be something exciting that you’re renting to get a taste of some serious speed or luxury on a road trip in your dream car. Another common reason is test-driving a car that is being sold privately, if you are buying off a dealer they should be able to provide trade cover for your test drive, but if you're buying privately you will need test drive insurance, or you could be in legal trouble.
Does Go Shorty cover Northern Ireland?
Yes, one of the reasons Goshorty is so popular in NI is that it is one of the few providers of temp car insurance that will accept a Full Northern Ireland Licence, Provisional or Learner Northern Ireland Licence. Goshorty also accept UK and or EU/EEA European Full Licence.
Can I get temporary car insurance in Northern Ireland?
Temporary car insurance Northern Ireland is not available with all providers of short term insurance, but Go Shorty are able to provide this service to NI residents and residents of NI that have a full EU/EEA licence
Is Temporary car insurance for young drivers under 21 Available?
Temporary car insurance is available for young drivers under 21, but must be over 18. For holders of a provisional licence, temp learner diver insurance and 1 day driving test insurance is available for age 17 upwards.
How long does it take to get short term car insurance?
Getting temporary car insurance Northern Ireland with Go Shorty is quick and easy to do online. You can apply and pay online and be covered to drive in 10-15 minutes.
How much is short-term car insurance in Northern Ireland?
The price of short-term car insurance will vary according to a few key factors that include the vehicle details and the driver’s driving history, but expect to pay from £38.50 for 7 days
Top Reasons you may need temporary car insurance in the North of Ireland
Benefits of Short Term Car Insurance
The popularity of temporary car insurance is in part due to its many uses and easy of purchase. The demand has also helped to reduce the cost as competition heats up in this crowded marketplace.
The demand for temporary insurance policies is high, as they offer a cheap solution to many situations that the traditional annual policy is just not a feasible solution. We have listed some of these common situations above, most common include borrowing a car or van from a friend or family member, on a temporary basis, and you wish to take out your own cover so should you have an accident any claim it will not impact the no claim's history of the owner.
The policy will begin as soon as you need it to, and can often be tailored to end the day that you don’t need to drive the car anymore.
If you’re using the car for a really short period of only an hour or so, you can even tailor the policy down to the hour, so you’re not insured for longer than you have to be.
Temporary Car Insurance Vs Annual
| Temporary Car Insurance | Annual Car Insurance | |||
|---|---|---|---|---|
| Cover Level: | Comprehensive cover as standard. | 3 different levels of cover to choose from | ||
| No Claims | In the event of a claim, the vehicle owner’s no claims discount will NOT be affected. | In the event of a claim, the vehicle owner’s no claims discount will be affected. | ||
| Application time: | Cover can start in as little as 15 minutes. | Often long application processes and policy comparisons. | ||
Qualifying Criteria for Temporary Car insurance
Who provides Temporary Car insurance in Northern Ireland?
| Name | Duration | Age | Excess Amount | Compare Now | Van,Car and Learner Driver |
|---|---|---|---|---|---|
| GoShorty | 1 hour to 28 days | 17-year-olds to 75 | £500 | Compare Now with GoShorty | Yes |
| Veygo | 1 hour to 60 days | £750 | Compare Now with GoShorty | Yes | |
| DayInsure | 1 hour to 30 days | £350 | Compare Now with GoShorty | Yes | |
| Tempcover | 1 hour to 28 days | £500 | Compare Now with GoShorty | Yes | |
| Cuvva | 1 Hour to 28 Days | Variable | Compare Now with GoShorty | Yes |
Time Periods Of Temporary Car Insurance NI Available
As mentioned above, these temp policies will operate ranging from only an hour, up to anywhere from 4 weeks, to a few months, depending on the provider. The time periods can be made to suit your needs, all you need to do is find the right provider, as not all will be equally flexible.
If your policy is to be 6 or more months, you may find it more difficult to find a temporary or short term insurance provider to quote, as the majority specialise in shorter policies than this, often up to 30 days. However, many general insurance providers will offer a separate policy type to cover 3, 6 or 9 month policies, but again that will depend on the providers.
How Is No Claims Bonus Affected If Using Temporary Cover?
Taking out a temporary insurance policy will not have any impact on your no claims history or that of the owner of the vehicle if the car is being borrowed.
Short Term UK and NI Car Insurance FAQs'
Any claim must be reported within 24 hours of the incident. The contact information for the insurance provider will be found in the policy documents. Please note, all incidents must be reported even if you are not at fault. This is to protect you should the other party make a claim against you.
The providers of short term insurance NI will only accept a full UK/NI licence or EU/EEA licence for Car and Van Insurance and the UK/NI provisional licence for Learner Driver Insurance.
The item being towed is covered only for any damage it may cause whilst it is attached to the vehicle. The cover does provide cover for the actual item, boat, trailer or caravan etc. If you have a boat, you should consider taking boat insurance to provide cover for damage when towing.
All polices for short term car insurance, van insurance and learner driver insurance are all fully comprehensive
Each short term policy provides cover for 1 driver only, if you need additional drivers, they must take out their own separate policies.