Insure4aDay temporary car insurance review

Fast, flexible and affordable cover

• Cover for cars, bikes and vans
• From 1 hour to 28 days
• Suitable for learner drivers and tradesmen

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Who is Insure4aDay?

Insure4aDay specialises in short-term car insurance and has become one of the leading providers of motor insurance products over the last three decades.

With a range of industry knowledge and experience, it is able to offer competitive prices and online insurance solutions tailored to your needs.

• Who underwrites Insure Daily's Car Insurance?

  Insure4aDay is a product of Sky Insurance Services Group Ltd and its temporary car insurance policies are underwritten by Tradewise Insurance Services.

  Sky Insurance Services Group Ltd is authorised and regulated by the Financial Conduct Authority.

Insure4aDay’s car insurance policy features

• Flexible insurance. You can choose cover from just 1 day up to 28 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.
• Instant cover. Get instant cover from the moment you purchase with the process taking around 15 minutes.

What does Insure4aDay’s cover include?

Insure Daily only offer comprehensive policies and this covers your car for the following:

• Accident cover
• Damage to vehicle by fire
• Malicious damage
• Damage to vehicle by theft or attempted theft
• Third party liability cover including whilst towing
• Territorial limits and foreign use
• Cover for any injury/damage you cause to other people and/or their property
• European travel extension (optional)
• Breakdown cover (optional)
• Excess protection (optional)
• Excess reduction cover (optional)
• Motorist uninsured loss recovery service (optional)

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Product	Ratings	Cover length	Excess	EU Cover	Key Benefits
Tempcover	Finder score ★★★★★ ★★★★★	1 hour - 28 days	Varies		Excellent customer reviews. Tempcover have scored 4.6/5 from over 19,500 customer reviews on TrustPilot.	Who it might be good for: Someone who wants flexible cover for a range of different vehicles.	Go to siteView details	loading Fetching your data...
Cuvva	Finder score ★★★★★ ★★★★★	1 hour - 28 days	Varies			Go to siteView details	loading Fetching your data...
Zixty	Finder score ★★★★★ ★★★★★	1 hour - 28 days	£500 – though they offer £250 Excess Protect		Free tree planted with every Zixty policy, plus the option to offset your driving CO2 for free through the app.	View details	loading Fetching your data...
Safely Insured	Finder score ★★★★★ ★★★★★	24 hours - 84 days	£500			View details	loading Fetching your data...
Insure Daily	Finder score ★★★★★ ★★★★★	24 hours - 28 days	Varies			View details	loading Fetching your data...
Ingenie Temporary Learner driver	Finder score ★★★★★ ★★★★★	1 month - 6 months	Varies		NCD is protected. If you make a claim it won't affect the owners no claims discount.	Who it might be good for: A learner driver who wants temporary cover for 1 - 6 months before they pass their driving test.	View details	loading Fetching your data...

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Can anyone take out Insure4aDay car insurance?

Unfortunately not. To get short-term car cover, both you and the car must meet Insure4aDay’s eligibility criteria:

You must:

• Be aged between 21-75
• Have held a full and valid UK, EU, EEA or Swiss driver’s licence for more than 12 months
• Have been a permanent resident in the UK for the last 12 months
• Have no more than 2 accidents, claims or losses in the last 3 years
• Have no more than 6 penalty points in the last 5 years
• Not have been disqualified from driving or have had your driver’s licence revoked in the last 5 years
• Have no criminal convictions

The car must:

• Have no more than eight seats including the driver’s seat
• Be used for social domestic and pleasure purposes only
• Not be modified (modifications for a disabled driver or passenger are acceptable)
• Not be impounded
• Not be used for hire or reward

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.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for Insure4aDay?

If you need to make a claim on your Insure4aDay policy, you can call the Tradewise 24-hour claims line on 0800 205 5513.

You will need to have the following information to hand:

• Your policy number
• Details of any other parties or vehicles involved
• Name and addresses of any witnesses
• Full details of the incident

Pros and cons for Insure4aDay

Frequently asked questions

• Can I get insurance that starts immediately?

  Yes. If you wish, temporary cover can start instantly.

• Can I pay for my temporary car insurance in monthly instalments?

  No, you will only be able to pay for your temporary car insurance policy in one upfront payment.

Written by

Esther Wolffowitz

Publisher

Esther Wolffowitz was a publisher at finder.com specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE). See full bio