Temporary car insurance is , as its name suggests, short-term insurance . It is intended for drivers who do not wish to be insured for an entire year.
Temporary car insurance generally covers a driver for a period of between 1 and 90 days and can only be taken out by a driver with a minimum of driving experience. In most cases, the subscriber must be at least 21 years old and have held a driving license for at least 2 years .
When to take out temporary car insurance?
There are several situations in which temporary auto insurance is recommended. We will opt for such protection in the event of:
Little used vehicle , stored in a secure and private place, allowing it to be covered mainly on the road;
Suspension or termination of a car insurance contract (for non-payment on the part of the driver, for example), while waiting to be able to take out a new car insurance contract ;
How to take out temporary car insurance?
Temporary car insurance: how to subscribe, who is it for, procedures
In addition to verifying the age and history of the driver who wishes to take out temporary car insurance, car insurers require a certain number of supporting documents :
A copy of the registration document of the temporarily insured vehicle . The document is valid even if it is not in the name of the insured or if it was issued abroad;
A copy of your valid driving license allowing you to travel in France;
A copy of the insured’s information statement , or failing that, a sworn declaration of any road history (accidents, Highway Code violations, etc.).
Temporary car insurance guarantees
In general, temporary car insurance contracts offer a third-party formula . They offer basic car insurance guarantees , namely the driver’s civil liability in the event of an accident and legal protection. .
However, some insurers offer more comprehensive offers or allow you to take out options : assistance and breakdown cover , driver’s body cover, damage cover, etc. This additional cover is particularly recommended for policyholders planning to travel abroad.
How much does temporary car insurance cost?
The rule is the same as for traditional car insurance: the price of temporary car insurance is defined to measure, based on various criteria, such as the driver’s profile, their driving experience, the type of vehicle, etc.
However, it is better to know: temporary car insurance often costs more than a traditional contract and can only be recommended in the absence of a permanent solution. The average amount of car insurance for one month is around 150 euros when daily insurance costs between… 40 and 50 euros!
It is therefore more advantageous to opt for temporary car insurance for one month or even to take out a year-round contract, especially since the price of car insurance is 645 euros per year on average .
What types of temporary car insurance exist?
There are several temporary car insurance policies, ranging from coverage for a few days to several months. Much more rarely taken out, daily insurance has the merit of existing and being offered for those who need it for a short journey as may be the case in the case of a rental for example. Contact your insurer to define the guarantees.
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