Learn the basics of short term motor insurance - what it is and how it works - to decide if it's right for you.
Depending on the insurer, short term insurance is usually available for cars and vans, but policies may also be available for motorhomes and motorbikes.
Short term insurance is useful for those occasions where insurance is needed but only for a short time, such as when:
Short term insurance cannot be used to tax a vehicle
Cover is normally comprehensive and policies can range from a minimum of one day up to a maximum of 28 days.
To prevent short term insurance being used as a replacement for an annual policy, insurance companies place limits on the number of times a policy can be taken out in any rolling 12-month period.
Depending on the individual insurer this may be expressed as a maximum number of occasions or a maximum number of days.
To take out short term insurance you will normally need to be aged 21 or over, although some insurers require policyholders to be aged 23 or over
Short term insurance offers a number of other advantages including:
Exclusions are circumstances or events that prevent or invalidate a claim. Examples of standard exclusions on short term vehicle insurance policies include:
Short term insurance cannot be used to tax a vehicle as - while the insurance certificate provides evidence of insurance as required by Road Traffic Act legislation - the DVLA and Post Office will not accept these certificates for road fund licence purposes.