Temporary van insurance
Find a great deal on temporary van insurance with a quote from Bobatoo…
How long can you get temporary van cover for?
Sometimes we only need a van for a short period of time, so it’s not worth paying out for a full 12 months insurance policy.
Thankfully there are a number of flexible temporary van insurance policies available to help you get covered for only the length of time you need a van for – making it a much more affordable option.
Short-term cover can be found for just one day van insurance all the way up to van insurance for 3 months.
The most common type of temporary van insurance runs from between 1 – 28 days, but it is possible to get cover for longer periods – e.g. 1 month, 2 months or 3 months.
Temporary van insurance can be a cheaper and more flexible alternative for drivers who only need to use a van for a short period of time.
There are many situations where you might find that you need van insurance on a temporary basis, usually if you are borrowing a van to move furniture or other large items. It can also be useful for business owners who need to use a different van while there’s is in for repairs, or something similar.
If you don’t need to use a van permanently, there’s no point paying for a full 12 month policy. However, it’s worth remembering that it could work out cheaper to take out a full policy with a view to cancelling it when you don’t need the van anymore. This is unlikely to work out cheaper if you are only looking for one day van insurance, but if you want temporary van insurance for 3 months it could well be a cheaper option.
Benefits of temporary van insurance
There are many benefits available with a short-term van insurance policy. As well as it working out cheaper than a 12 month policy, you can also enjoy:
- Immediate comprehensive insurance cover
- Options to insure more vans or more drivers
- Flexible cover to only pay for the days you need
- No-claims discount protection
- Cover for business use as standard (not including carriage of passengers/hire for reward)
The benefits and policy features available will depend on the type of policy you get and which insurance company you buy it from. As always, it’s worth comparing quotes from a range of insurers to make sure you are getting the best deal – not just in terms of the best price but also in terms of the level of cover available.
Who needs temporary van insurance?
There are many reasons you may need to use a van for a short period of time, and therefore require short-term van insurance.
Some of the more common reasons are:
One of the most popular reasons for borrowing someone else’s van, and needing short term insurance to cover it, is moving house.
This is often much cheaper than using a removal company or hiring a van, and as you can get daily van insurance you can be completely flexible with it – whether you get the moving done in one day or decide to use the van for a second day, you are always in control.
Delivering or moving large items
Whether you need to take something to the tip, or want to move your fridge or three-piece suite to a different property, temporary van insurance can be used to make the process as smooth as possible.
Rather than struggling to squeeze your large and heavy items into your car, you can just borrow a friends van and get instant short-term cover for as long as you need it.
Arranging your own temporary and flexible policy means you are protected for any potential mishaps, and the van owner’s No-Claims Discount will not be affected.
There are countless reasons why a business might need temporary van or minibus insurance. They could need to temporarily cover a new employee while they wait for them to be added to the main annual policy, for instance, or maybe need to borrow a van for a day or so because their van is in the garage.
Whatever the reason, temporary van insurance is a great option for business owners to save money and stay operational.
Temporary van insurance for under 25s
It can be very frustrating for young drivers trying to find a good deal on insurance – whether it’s for a car or a van. Insurance companies view young and new drivers as being more likely to make a claim, and therefore premiums can cost a lot more.
This means if you are a new driver or a young driver aged under 25 then you may find it difficult to find a cheap temporary van insurance deal. Because you are likely to be an inexperienced driver, insurance companies are reluctant to offer short-term cover as the odds are you are not used to driving a van – so are viewed as more likely to make a claim.
The good news is that there are temporary policies out there for young drivers to insure a van, but there tends to be strict rules. For instance, temporary van insurance is usually only available if you:
- Are aged 21 or over
- Have fewer than 7 penalty points on your licence
- Have not been disqualified from driving in the last 2 years
If you need help with finding the perfect temporary van insurance policy for you, start comparing quotes with Bobatoo now…