Low Mileage Car Insurance Guide

A low mileage driver is someone who drives less than the average UK driver. These drivers may be overspending on car costs for a vehicle they hardly use. With costs like annual insurance quickly adding up, ditching your car could be a sensible move if you rarely rely on it.

Sharing a car or borrowing one with temporary car insurance can be a perfect solution for low-mileage drivers. It’s quick and easy to get a policy, so whenever you need to drive, you can get on the road in minutes, provided you have a car to borrow.

What is the Best Car Insurance for Low Mileage Drivers?

If you plan to keep your car as a low mileage driver and are the sole owner, you will need to keep it constantly insured, with at least third-party cover. Looking for specific low-mileage insurance policies could be your best course of action, as these should offer lower costs to reflect the time you spend on the road.

However, getting rid of your car or sharing it with someone else might be the best option. If someone else in your household relies on a car more, becoming a one-car household can cut costs. They can have an annual policy and use the car as needed, while the low mileage driver can take out a temporary policy for specific times. You could also borrow a car from friends or family when needed, to save even more.

Temporary insurance covers you for borrowing a car, providing fully comprehensive protection for the exact amount of time you need. This makes for a more efficient, flexible approach, allowing you to take up cover hourly, daily, or monthly, so it can easily work around your needs. Only need a car once a week for an hour or so to do the big shop? Get insured for an hour for as little as £16.98 on the car you’re borrowing.

With temporary insurance, you can easily purchase a new policy whenever you need it. We provide quotes in as little as 90 seconds, so you can get on the road instantly.

Who benefits from this the most? Almost any motorist can benefit from temporary vehicle insurance, but we see clear patterns in those who regularly take out short-term cover. These low mileage drivers include:

• City centre residents: They have access to a car but often work a short distance from home, only needing their vehicle at weekends for the big shop. With high car costs in the city, being a one-car household with one person utilising temporary cover makes sense.
• Those who drive their partner’s car sporadically: Often, one partner drives more frequently. You can add a partner, friend, or loved one to your annual policy, but this can impact your no-claims bonus if they have an accident. So a good idea is for the less frequent driver to just get a temporary policy when they need to get behind the wheel.
• Students: Students typically use their car only when home between terms. An annual insurance policy is money down the drain, making temporary student insurance very handy for whenever they return home. 
• People who work away: In many trades, multiple workers travel to a job together in one vehicle. If you’re away from home Monday to Friday most weeks, having an annual car insurance policy that’s only used at weekends is a false economy. Our weekend insurance policies are a great option for these individuals, as long as the car continues to be insured by someone else in your absence.

If you consider yourself a low mileage driver, explore the options available to you. Using temporary car insurance to easily borrow a car may be the best option, allowing you to save money and cut down on car costs.