Dayinsure’s temporary car insurance is backed by insurance giant Aviva. Cover is at the highest level – comprehensive – and includes legal expenses. Customers can enhance protection by adding comprehensive EU cover and breakdown cover. Here’s what else you need to know.
Who is Dayinsure?
Established in 2005, Dayinsure arranges specialist temporary insurance for cars, classic cars, vans and motorhomes. It can insure almost anyone who has a full UK driver’s licence, and it can cover learner drivers for personal or business purposes and also arrange 5-star Defaqto-rated annual car insurance from Aviva.
Dayinsure can provide learner and fully qualified drivers aged 18-75 with cover from 1 hour up to 30 days.
Dayinsure accepts almost anyone who has a UK driver’s licence and can also cover customers who hold a full EU, EEA, Australian, New Zealand, South African or Swiss driving licence and have done so for at least six months (or three months if aged over 25).
Dayinsure is a registered trademark of Dayinsure.com Ltd, which is authorised and regulated by the Financial Conduct Authority.
The temporary car insurance on offer from Dayinsure is underwritten by Aviva Insurance Ltd.
Aviva Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Dayinsure’s policy features
Flexible insurance. You can choose cover from 1 hour up to 30 days.
Comprehensive cover. The highest level of cover comes as standard. If you are responsible for causing an accident, you’ll be protected for damage to other people’s vehicles or property and for your own vehicle against accidental damage and vandalism. You’ll also have protection against any fire damage or theft of your car.
Unaffected annual no-claims discount. A claim made on a temporary policy won’t affect any annual no-claims discount built up.
Instant cover. Get instant cover from the moment you purchase, with the process taking around 15 minutes.
What does Dayinsure’s comprehensive cover include?
Here are some of the benefits of Dayinsure’s temporary car insurance:
Accidental damage
Fire and theft damage
Accident recovery
Third party EU cover
Emergency treatment
Legal liability
Legal expenses
Full EU cover (optional)
Breakdown cover (optional)
Can anyone take out Dayinsure temporary car insurance?
Unfortunately not. To get short-term car cover, both you and the car must meet Dayinsure’s eligibility criteria.
You must:
Be aged 18-75 years old
Have held a UK, EU, EEA, South African, Swiss, Australian or New Zealand drivers licence for at least three months (or six months if you’re under 25)
Have no more than two fault claims in the previous three years
Have no more than 9 penalty points and no disqualifications in the previous 18 months
Have had no motoring offence relating to specific offences (in the previous three years or six months depending on the offence)
Have not been convicted of any criminal offence in the previous five years
The car must:
Be registered in Great Britain, Northern Ireland or the Isle of Man
Have a market value of less than £75,000
Have no more than eight seats including the driver’s seat
Not be hired or rented
Not have been seized or in a police compound
Not have been modified (some exceptions apply)
Not be a grey import (imported from a country outside of the EU and outside the manufacturer’s authorised trading channels)
What is my excess?
Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
All temporary car insurance policies offered by Dayinsure have a compulsory excess of £250 up to £1,250, depending on the length of cover required, the age and experience of the driver and the age and condition of the vehicle amongst other factors.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Dayinsure?
Call the DayInsure claims line on 08000 156 166 to make a claim. This 24-hour claims line is open 7 days a week.
You will need to provide the following information:
Your own insurance policy details
Details about the incident
Names and contact details of everyone involved in the incident such as third parties, passengers and witnesses
Details about the damage or injuries sustained
It’s vital that you let your insurer know about an incident straight away, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
Pros and cons for Dayinsure
Pros
Comprehensive cover as standard
The cover can begin instantly
Making a claim won’t affect a no-claims discount built up on an annual policy
If you’re in need of temporary car insurance, Dayinsure is one of many to choose from. You’ll get comprehensive cover as standard and if you’re borrowing a car, any claim that you need to make won’t affect the no-claims bonus on the owner’s annual car insurance policy.
Get started by visiting Dayinsure’s website and sign up for a policy. If you have read this review and decided that Dayinsure is not for you, you can also compare other temporary car insurance policies on the market.
Frequently asked questions
Yes. Dayinsure offers temporary car insurance to learner drivers and others with a full UK driver’s licence. Learner drivers using their own car can get cover from 1-5 months while learner drivers using a borrowed car can get insurance from 2 hours – 5 months. Anyone with a full UK driver’s licence can get cover from 1-4 hours or from 1-30 days.
Yes. If you wish, temporary cover can start instantly.
No, you will only be able to pay for your temporary car insurance policy in one upfront payment.
No. Once you have paid for your temporary car insurance, no changes can be made.
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Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full bio
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