Day car insurance UK
It could be the current economic climate or possibly the disposable lifestyle that is becoming more and more popular that has lead to a serious increase in the number of people who are interested in day car insurance in the UK. Day car insurance is a cost effective and productive way of getting the cover you need to get the job done.
The fact is as people have less money to spend they are often better off insuring another persons car for a day as opposed to renting which, historially, might have been the first choice. Some learners prefer to take our provisional insurance for a day rather than traditional lessons, this is a little different and covered elsewhere.
People who insure their cars long term year on year usually rely on them to go about their daily business whereas people who opt to take out single day car insurance usually take out the cover because they have a one off task to do, it might be a trip across the country or it could be that they are moving house, day car insurance is useful for anyone who is planning on a short burst of driving to get something done, these type of drivers might also benifit from adding themselves to anothers policy for a short period.
Day car insurance is not the same price as a full year insurance divided by 365 as some people might expect, the cost for one day is considerably higher than a longer term policy.
The reason for the costing been higher is almost comparable to the way you can get a product cheaper if you buy in bulk! If you think about it, an insurance company selling you 365 days insurance is able to discount the days more heavily than if they sell you a single day in the same way you could negotiate a better deal with a company you were buying 100 chairs off rather than a single unit, however, some people will just be of the opinion that the insurance companies are trying to rip you off.
There is also the fact that people who are taking out one day insurance are very unlikely to have a solid driving history and no claims discount, it is more likely they have not driver for a few years! This means that there is a case to put this kind of driver into the same group as a new driver although probably not quite so high risk.
You can save a lot of time searching for the cheapest day car insurance if you have already established an account at a insurance comparison website, this is because they will already have all of your details on record and, in order to get a quote for any kind of car insurance, you will need to provide accurate details about your driving history.
Having already set up an account means that you are able to just log into the account and select the type of car you are wanting to insure for a day. You might need to give a few more details on the car and possibly even push through a standard quote before selecting an option for day insurance at the end. This will then submit the quote request to all of the insurers that the comparison website works with and you will receive the quotes shortly.
The total number of responses you will get will be slightly lower than the number you would get if you were requesting a standard quote because:
- Not all insurers provide day car insurance in the UK
- Many insurers who do would be willing to offer day car insurance in the
- UK are not able to offer this service online
- The comparison website might not properly communicate the need for day car insurance to the policy providers
There are quite a few car insurance comparison websites out there, GoCompare and Confused are two of the better ones, however, a less known but more long standing one is Uswitch and that is the one that always seems to return the best prices, be the quickest and also most configurable (so allow searches on things such as day, week and month long insurance). These sites sometimes negotiate better rates than going to the insurance companies direct.
