temporary car insurance Archives

Everything You Need to Know About the Optional Extras That Can be Added to Your Policy

3 October 2024 09:48 Comments Off

We pride ourselves on providing excellent cover for every customer, no matter the duration of the policy. But sometimes, you may want to take additional precautions, and use one (or more) optional extras to supplement your temporary insurance policy. To help you customise your cover, we’ve introduced three core optional extras:

Breakdown protection cover
Excess protection cover
Legal protection cover.

But what do each of these add-ons actually mean?

What is Breakdown Cover?

Put simply, breakdown cover ensures that if the vehicle you’re borrowing breaks down during the period you’re covered to drive it for, you’ll have access to assistance to get you back on the road again. Our breakdown cover will always last for the duration of your insurance policy – whether that’s hourly car insurance, daily, weekly or monthly. But what does breakdown cover actually include? Depending on where you breakdown and the extent of the issue, our breakdown cover offers:

Roadside assistance: we’ll try to fix the problem and get you on your way again at the site of the breakdown.
Local recovery: we’ll recover the vehicle within 10 miles of the breakdown.
Home assistance: we’ll assist if the vehicle breaks down at home or within a mile of it.
Nationwide recovery: we’ll collect you and your passengers from wherever you’ve broken down, and take you home.
Other transport: we’ll pay up to £250 towards the cost of alternative transport.

Pretty good, right? The peace of mind breakdown cover affords drivers is second-to-none: no matter what happens, you know you’ll be okay. If you’re planning a long road trip, it’s always a good idea to opt for breakdown cover – undertaking the drive from Land’s End to John O’Groat’s without it wouldn’t exactly be wise. And if you’re lending a family member or a friend your car, asking them to get breakdown cover will allay any fears you have about your car being left in the back of beyond, while they scramble to sort out a rescue. After all, it’s much easier to walk away from a car that isn’t your own…

So, how does breakdown cover work? Whether you’ve broken down on a busy dual carriageway or simply can’t get out of your drive – breakdown cover will sort it. Whilst the cost of breakdown cover will naturally vary depending on the duration of the period you’ve taken out your insurance policy for, it’s nearly always cheaper to have it than it is to pay the cost of organising your own roadside assistance. But how much is breakdown cover? Typically, adding on breakdown cover to your policy will cost from just £1.49 for an hour of cover, and £4.49 for 4 days – one hour’s worth of breakdown cover will naturally be significantly less than a week’s worth, and so on.

For full details of what your breakdown protection covers, always check the policy document wording.

What is Excess Protection?

Every single GoShorty insurance policy includes a compulsory excess, which is explained during the quote process and then again in your policy documentation. Our excess protection cover is an optional add-on designed to help you recover the excess you’ve paid following a claim on your insurance. The cost of excess protection cover varies depending on the temporary insurance cover you’ve taken out, for example it costs from just £0.99 for an hour of cover, and £3.99 for a week, and it lasts throughout the duration of your cover. Should you need to make a claim, you must do so via the policy you’ve taken out. If there’s more than one policy on the car you may only claim once, via one policy.

But is excess protection worth it? Well, should you be involved in an accident and need to put a claim in, you’ll be able to claim up to £500 of the compulsory excess towards the total vehicle repair costs. Without excess protection cover, you’d be expected to pay the full cost of the excess in the event you make a claim. With excess protection cover, you can be confident that any large claims will be offset by up to the £500 cover our add-on provides you with – which can be a huge relief! (Just bear in mind that this add-on will only pay out if you’ve been unable to recover your excess from a third party.)

For full details of what this add-on includes, check the policy document wording.

What Does Motor Legal Protection Cover?

Legal protection cover is an add-on designed to protect you in the event of an accident that isn’t your fault, by providing you with the means to pursue legal action against the party at fault. If you (the insured person) has an accident that isn’t your fault, provided you’ve purchased this add-on, the expense of pursuing legal proceedings will be covered against a third party – the person who is at fault. But what does legal protection cover on car insurance?

If there’s been damage done to the insured vehicle and any property within it.
If you’re seeking compensation for bodily injury or death.
If you’re looking to recover your excess.
If you’re looking to recover lost earnings.

As with each of our optional add-ons, the cost of motor legal protection cover varies depending on the duration of your temporary car insurance policy, for example an hour’s cover costs from just £0.87, and a month of cover is from £1.99, and it applies for the full duration of your cover. Should someone else be borrowing your car, you might want to consider encouraging them to opt for motor legal protection cover, as this will equip them to pursue any wrongdoing without implicating you or requiring your assistance – financial or otherwise. If any damage is done to your (insured) vehicle, you’ll know you don’t have to worry about finding the cash to fix it.

Motor legal protection cover is ultimately intended to save you money down the line, in case of an event whereby you’d need legal help (and the requisite financial support) to pursue any compensation you might be owed by a third party. To pursue legal action without this add-on can be extremely costly. Whilst some lawyers may only charge you in the event they win your case, this is certainly not an industry standard – and you’d still need to be prepared to pay them a portion of any financial compensation you received in the event you won your case.

For full details be sure to review the policy wording for this optional extra.

How to Add These Optional Extras to Your Temporary Policy?

Each of our optional extras can be added easily to the temporary insurance policy of your choice. Simply apply for a quote as you usually would, and indicate which one (or more) of the add-ons you’d like to bolster your cover with. If someone’s borrowing your car and you’d like them to take out an add-on with their temporary cover, advise them of this before they complete their transaction. Depending on your plans, you’ll be able to judge which would make the most sensible choice for you – you could choose as many or as few extras as you’d like.

It’s always wise to be prepared for any eventuality on the road – especially as it’s typically other drivers you need to watch out for! Our new optional add-ons provide another layer of protection and security to your road use, ensuring that you can feel confident in a huge range of motoring circumstances – from a scratched wing mirror to engine failure.

Everything You Need to Know About Drive-Away Car Insurance From GoShorty

3 September 2024 09:42 Comments Off

Drive-away insurance is a popular type of temporary insurance, but it’s understandable if you’re not entirely sure what it involves.

In the first six months of 2024, over a fifth of our customers opted for this type of cover, it’s a common insurance type you might not know you need. In this guide, we’ll explain exactly what drive-away insurance is and when you might need it.

What Is Drive-Away Insurance?

Drive-away insurance is a temporary policy that allows you to drive a newly purchased vehicle home from the place of purchase. It’s a convenient, short-term policy designed to keep you insured while you arrange long-term cover.

This type of policy also enables you to tax your vehicle before driving it home, which is a legal requirement for any roadworthy car, even if you plan to park it outside your home for a while. So, make sure your vehicle is taxed and insured before you set off.

When Do You Need Drive-Away Insurance?

Insurance is mandatory whenever you’re driving a vehicle, even if it’s just for the short trip home from the dealership. While it’s exciting to finally get behind the wheel of your new car, it’s crucial to ensure you’re insured for that initial drive. Your car must always be insured unless SORN, so even if your new car is going to be parked on your drive for a while whilst you decide on an annual policy it needs insurance. Which is when a longer duration for a drive-away policy will be a good idea.

Drive-away insurance is specifically for this purpose, offering a simple, temporary policy that allows you to drive home safely and keep your car insured before setting up an annual policy. Driving without insurance can lead to fines and points on your licence, or in severe cases, disqualification and even jail time. It’s simply not worth the risk to drive uninsured, even for a short distance. Our daily insurance policies are a perfect solution for drive-away insurance, providing cover for the journey home and for however long it takes you to sort your main policy.

How Much Does Drive-Away Insurance Cost?

Drive-away insurance functions similarly to other temporary insurance policies, so the cost will depend on how long you need the cover for. In most cases, you’ll only require it for a short time, usually less than 24 hours.

You can get a quick quote to see exactly how much drive-away insurance will cost you. Or you can use our car insurance calculator to get an idea of potential prices. Using the calculator you can see that one day of insurance starts from around £20.44. While you might not need a full day’s cover, it’s reassuring to know that insuring your car for the drive home won’t be expensive.

Overall, opting for a short-term policy is always more cost-effective than purchasing an annual one just to get your car home. Drive-away insurance is the best choice, giving you time to select the most suitable annual policy once your vehicle is safely at home.

Why Our Drive-Away Insurance Is a Great Solution for Dealerships

Since June 2023, we’ve been partnering with car dealerships to provide essential drive-away insurance for their customers. We’re proud that hundreds of dealers across the country use our services, including drive-away insurance, test drive insurance, and courtesy car insurance, helping to ensure drivers are protected at every stage of their purchasing journey.

Our service is an excellent solution for dealerships, as our partnerships enable dealerships to earn commissions when their clients use our insurance. On average, 65% of a car dealer’s clients purchase the vehicle after getting a quote from us! The simple and quick quoting process for our drive-home insurance options avoids any bumps along the purchasing road…

Dealerships benefit from a valuable revenue stream through referrals to our insurance. Our broad acceptance criteria and user-friendly quote system allow drivers to obtain cover within minutes, reducing the likelihood of clients being deterred by a lengthy application process. Since we began partnering with dealerships, we’ve issued thousands of policies to drivers taking home their new vehicles, and the feedback from our car sales partners has been overwhelmingly positive!

If you’re a dealership interested in partnering with us, you can easily get in touch. Or, if you’re about to purchase a new car, our drive-away insurance is here to help you get home safely!

Our temporary insurance also makes borrowing a car, car-sharing, or learning to drive easier than ever, with hourly, daily, weekly, and monthly policies available.

If I Have Comprehensive Car Insurance, Can I Drive Any Car?

14 August 2024 12:20 Leave a Comment

Having comprehensive car insurance does not automatically mean you can drive any other vehicle. Your insurance policy covers the vehicle specified in the policy, but not other cars. If you want to drive different vehicles, you’ll need additional insurance, such as being added as a named driver or taking out a temporary car insurance policy.

Some comprehensive policies include DOC (driving other cars) insurance, but this does not permit you to drive any car at any time. Let’s explore the details of DOC and discover how you can drive other vehicles with specific insurance types…

DOC insurance might be part of your policy, but it’s important to check with your provider before assuming you have it. DOC insurance has become less common in recent times. Therefore, it’s best to confirm if it’s included in your policy, before you get behind the wheel of any car.

DOC, or driving other cars insurance, allows you to drive cars other than your own without being a named driver. However, it usually only provides third-party coverage. DOC cover was designed for emergency use only and shouldn’t be used for regular driving of other cars. If you need to borrow a car for a non-emergency reason, other insurance options are available.

What Insurance Can Be Used to Drive Any Car?

If you regularly drive another car, you might consider being added as a named driver on that car’s insurance policy. This requires agreement from the car owner, as adding a named driver can increase the overall insurance costs and you’ll be added to their policy. As a named driver, you’ll receive the same level of cover as the main driver. However, there are some drawbacks. If you need to make a claim while driving the car, the policyholder’s no-claims bonus won’t be protected. Additionally, being added as a named driver usually means paying for a full year of insurance, which could be excessive if you only need to drive the car for a few hours or days.

Temporary insurance offers a much more flexible alternative for driving any car. With temporary insurance, you can be insured on any vehicle (with the owner’s permission) for exactly the period you need, whether it’s hourly, daily, weekly, or monthly. This versatile option avoids the commitment and cost of long-term policies. Our temporary insurance policies always provide comprehensive coverage, including business car insurance —perfect if you’re driving to a meeting. Unlike being added as a named driver, using temporary insurance means taking out your own policy on the car. Yes, a car can have more than one policy, so the car owner’s insurance premiums and no-claims discount won’t be affected, even if you need to make a claim on your policy.

Insurance for Driving Other Cars FAQs

Can you drive any car with comprehensive insurance?

Comprehensive insurance does not automatically cover you to drive other cars. Your policy may include DOC insurance, in which case you can drive other cars in emergencies only.

What insurance allows you to drive any car?

No insurance type allows you to drive any car without restrictions. If your comprehensive policy includes DOC insurance, you will have third-party coverage to drive other cars in emergencies only. Otherwise, you must be insured to drive the vehicle. Being added as a named driver or by taking out a temporary policy, are good solutions.

Can you insure yourself to drive any vehicle?

With the owner’s permission, temporary insurance or named driver insurance will allow you to drive ‘any’ specific vehicle. However, no insurance type in the UK permits you to drive every vehicle on the road; you must be insured specifically for each car you wish to drive.

What is the difference between driving other cars cover and adding a temporary driver?

DOC cover allows you to drive a vehicle in an emergency only, providing only third-party coverage. In contrast, temporary insurance enables you to drive a car you might not own for a specified period with comprehensive coverage.

Low Mileage Car Insurance Guide

30 July 2024 11:53 Comments Off

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 a Low Mileage Driver?

The average driver in the UK covers around 8,000-10,000 miles per year. Anything below this can be considered low mileage. While this varies among insurers, driving less than 7,500 miles per year could mean you’re paying too much for annual policies. Instead, consider a different, more suitable insurance option. Your car must always be insured unless it’s declared SORN. If you don’t want to pay for a policy when you rarely use your vehicle, consider sharing your car with someone who will use it and keep it insured, or borrow someone else’s car using temporary cover.

How Many Low Mileage Drivers Are There in the UK?

Accurate data on this is scarce, but there are many low mileage drivers. A 2023 study cited in Fleet News suggested that less than 5% of UK vehicles are driven more than 15,000 miles per year, equivalent to 41 miles per day. This indicates that a significant portion of the UK population could be considered low mileage drivers.

Does Being a Low Mileage Driver Impact the Cost of Your Insurance?

Low mileage can affect your insurance costs. Annual policies may be cheaper for low mileage drivers because less time on the road means less chance of an accident. Restricted mileage policies also exist for those who drive small amounts daily. However, these policies are strict and require you to accurately predict your mileage. Exceeding this could result in the policy being cancelled, costing you more in the long run.

Mileage isn’t the only factor considered for policies; how and where the vehicle is used also matters. A driver who drives less than the national average but spends most of their time in a city could still have an expensive policy due to city insurance premiums.

While there are cheaper traditional insurance options for low mileage drivers, none are as flexible and useful as borrowing a car instead.

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.

The Road to Happiness: Therapeutic Drives

6 February 2024 11:46 Comments Off

Two million individuals in the UK experience SAD in the winter months. Often referred to as the ‘winter blues’, this disorder involves suffering from low mood, having little energy and limited motivation, making the start of the year rough for many!

So what does temporary car insurance have to do with boosting moods in the dreary months of the year? Well, many people enjoy driving and find setting out on a peaceful drive quite therapeutic. So rather than freezing whilst trying to force yourself out of the house on a walk in the winter months, going for a ‘self-care drive’ instead can be a great way to combat the winter blues.

How Driving Can Be Therapeutic

When you’re driving you have to be focused on what’s going on right there on the road, so if you find yourself lost in your own head, going for a long drive can be a great way to shake yourself up and help regain some focus.

Getting out and taking a peaceful, long drive – especially with a friend – to a scenic area, or a sunny spot is another great way a drive can be beneficial to you. This is because exposure to natural light (even on cloudy days!) can help to boost serotonin levels.

Turning to a long, relaxing drive when feeling stressed or nervous about upcoming events, allows you to ‘switch off’ because you have to focus on the road. So as well as boosting your mood, it can also help with nerves.

Driving is particularly mood-boosting if you like listening (or singing along) to music, nothing blows off the cobwebs like a solo sing-along to your favourite music in the privacy of your car.

If you are without a car but feel like getting out on the road would help lift your mood, you can see if a friend or family member will lend you their car. With our temporary insurance cover, you can get a quote and be on the road in under two minutes. No time at all between you and a mood-boosting drive. Our flexible options mean you can get insured for the amount of time you’ll be on your therapeutic drive – hourly car insurance should be ideal.

Nature has been proven to ease feelings of stress and sadness. As such, taking a long drive with your favourite songs or with a good pal to an area such as a nature reserve is a great way to help alleviate low moods.

Though the distraction of focusing on the roads can help you avoid negative thoughts, and re-centre your mind – it is best never to get behind the wheel if you are feeling overwhelmingly emotional, as your focus might be compromised.

Try to make your journey as calm as possible, whether by putting on your favourite soothing playlist or enjoying some aromatherapy in your car. This can be done by using a car diffuser and scents like lavender or chamomile and picking a route that avoids any stressful situations.

Driving in the winter months, when SAD is most prominent, is more precarious due to factors such as ice or snow. As a result, you should always make sure the vehicle you’re driving is in good condition, whether the brakes, tyres, or lights, and check the weather forecast to make sure it is safe to drive.

In addition, if you are experiencing any lethargy or a very low mood, make sure to avoid getting behind the wheel – you don’t want to cause any accidents.

Want to hit the road today for some peace and serenity? You can get a quote from us in under two minutes so you can go on a mood-boosting drive with the complete peace of mind that you are comprehensively insured.

Why Temporary Car Insurance is Particularly Good for Older Drivers

13 December 2023 09:56 Comments Off

As we grow older and clock up more and more miles, most would think that those miles equal more experience – and more experience brings better performance on the roads. Despite this, sometimes drivers may find that insurance companies either won’t insure senior drivers or they’ll actually add large premiums, making it considerably more difficult to drive as you get older.

We believe that getting older shouldn’t mean sacrificing your joy or freedom, and it definitely shouldn’t mean burning a great big hole in your pocket for the privilege of getting behind the wheel!

We recognise the needs of older drivers and, therefore, have crafted our temporary car insurance policies to make driving a seamless and cost-effective experience no matter your age. Our policies can help insure individuals from 17 years old all the way up to 75, and our wider acceptance criteria means that GoShorty is undoubtedly the place to be for temp car insurance for over-50s.

**Why Temporary Insurance Might Work For You**

If you’re in the market for car insurance for older drivers aged 50-75, the choice between temporary insurance and traditional yearly insurance is often driven by a shift in driving patterns and lifestyle.

We typically find that individuals in this age group may find themselves driving less frequently, so opting for temporary insurance becomes a practical and cost-effective solution. Temporary insurance allows drivers in this age bracket to tailor their policy precisely to the times they plan to use their vehicles, providing flexibility, reduced costs, and a hassle-free approach to insurance. This on-demand model aligns with the changing needs of older drivers, offering a sensible alternative to the traditional annual insurance structure.

GoShorty’s Hassle-Free Cover Up to Age 75

Driving as you get older should not be made harder, that’s why we’re proud to say our cover commitment extends up to the age of 75, ensuring that older drivers can continue to drive with confidence and convenience when it suits them. As you navigate the road ahead, our hassle-free insurance caters to your needs, providing a seamless and stress-free experience for every journey you make.

Our on-demand insurance model allows you to secure a policy precisely when you plan to hit the road, delivering a cost-effective, pick-up, put-down solution. Whether you need to use your vehicle for a day, or perhaps you simply want to run some errands for an hour or two, you can utilise our daily insurance or hourly insurance options.

Safeguarding Your No-Claims Bonus

One of the benefits of racking up years of motoring experience is the much-heralded no-claims discount. If you’ve spent years on the roads without making a claim against your annual insurance policy, you should benefit financially in the long-run, as insurers deem you to be a low-risk driver.

If you’re kind enough to lend your own vehicle to your friends and family, that no-claims discount that you’ve spent so many years carefully building is suddenly at risk. If a named driver on your annual policy has an accident, YOUR no-claims bonus is gone. To avoid this, make sure whoever is using your vehicle has their own temporary car insurance policy. This fully-comprehensive short-term cover preserves your annual policy, as any claims will be lodged against the temporary policy.

Easy, Quick, and Tailored

Finding the best car insurance for older drivers doesn’t need to be a stressful task. We ensure that the process is quick, easy, and tailored to your specific needs. Our user-friendly platform allows you to customise your cover based on your driving habits, providing the peace of mind that comes with the best insurance for drivers in the UK. On our platform, you can get yourself a quote in as little as 90 seconds and be on the road not long after! Whether your car is an old (yet beloved) motor that is just ticking along or a more luxurious car worth up to £65k, we’re here to insure you.

GoShorty takes pride in providing accessible car insurance for the elderly, offering a comprehensive and flexible approach to cover. With a commitment to hassle-free insurance up to age 75, cost-saving solutions for less frequent drivers, and a user-friendly platform, we empower older drivers to navigate the road ahead with confidence.

Drive with the freedom you deserve, knowing that GoShorty is your trusted companion on every mile of your journey.

Borrow a Nice Car for Events, It’s Easy!

26 September 2023 15:22 Comments Off

There’s nothing better than showing up in style for a special event, whether it’s a wedding or taking your kids to prom – arriving in a car you want to show off can make a big difference to your feelings about the day.

So, if you’re going to an event where everyone is dressed to the nines, why not borrow a car to match?

Using temporary car insurance you can borrow the car of someone you know, and avoid the faff of hiring a car entirely. You can get temporary cover on a car up to the value of £65K with GoShorty, so you can borrow your mates’ fancy car for an hour, or even a weekend, steering clear of the costly price of fancy car hire services.

You may be in secret competition with your distant relatives or simply want some flashy wheels to match your wedding guest attire. Either way, there are plenty of reasons for you to consider borrowing an attractive set of wheels for the wedding season and beyond.

Dreading the endless small talk with people you barely know? Prefer to make a speedy getaway? When you’re just showing your face, GoShorty offers temporary car insurance for periods of as little as an hour – perfect if you plan to escape once the pleasantries have run dry. Leave a lasting impression with your enchanting chit chat and lovely borrowed car.

Should the dancefloor entice you, GoShorty’s daily insurance will still have you covered for the next day when you aren’t feeling so fresh – and a drive home in a luxury car beats a packed, humid train in any case (an experience your hungover future self wouldn’t thank you for).

Travel In Style to Your Next Event

Fancy car hire isn’t your only option if you want to arrive fashionably to your upcoming weddings, birthday parties, or proms, and certainly not if you want to save money.

The costs of a wedding sadly aren’t limited to the headache the morning after… It’s almost impossible to keep up with the expenses that come with wedding season: fancy clothes, gifts, and hotel stays add up very quickly. Add car hire into that equation and it’s likely to pose a challenge to even the healthiest bank account. But that doesn’t mean you don’t deserve to turn heads as you step out of your car upon arrival. To save money and nail the 007 vibe, consider showing up in style for a fraction of the price by taking out temporary weekend insurance on your family member or friend’s flashy motor.

Likewise, at the climax of their school days, the last thing any teenager wants is to feel car shame as they roll up to their prom in the dependable, rubbish-strewn, five door family hatchback. Instead, insuring yourself on a friend or family member’s much nicer car for your child and their mates to roll up in can save a lot of money and eye rolling – particularly if they only want to make a grand entrance to see out their school days. Our flexible temporary insurance for cars worth up to £65k starts from as little as one hour, allowing them to achieve star status, without putting a dent in your wallet.

Why Borrowing a Flashy Car is a Much Better Alternative to Hiring a Car

The beauty of borrowing an elegant car is in the flexibility it allows, since you can use it as long as they are willing to lend it without extra cost, considering you take good care of it!

Forget the legwork that comes with using a car hire company – you can be insured and ready to drive off within minutes when insuring through GoShorty, rather than having to deal with endless paperwork and price negotiations.

Remember: this doesn’t mean you get to treat your friend’s car like a dodgem or a tip just because you’re insured. You should return their vehicle in the state it was lent to you – a cursory hoover likely wouldn’t go amiss either. Read our guide for the ultimate rundown on car-sharing etiquette to discover more on this.

Borrowing a friend or family member’s car also helps you avoid the stress of returning your hire car in time. Returning it late can land you with an additional fee, even if you’re only a few minutes over.

With our friendly temporary insurance rates, you can easily borrow a friend’s car, get completely covered, and be legally behind the wheel in under two minutes – paperwork is so last decade, all of our quoting process is confined to one easy online form.

So, whether you fancy a liberating zoom down country lanes or wish to have all eyes on you at the upcoming school reunion, opting to borrow a car with our temporary car insurance will mean you can turn up to any event, in a car you actually want to be seen in.

Not only can you avoid the steep costs of fancy hire cars, but you’re also granted the freedom to pick up and collect the car you’re borrowing whenever you need – your friends and family should be much more accommodating than a hire company!

Browse our wide range of daily temporary insurance options, for cars up to a value of £65k, for as short a period as one hour – perfect for your next event!

MID Check for Car & Van Insurance: How Long Will Insurance Take to Show on MID?

19 September 2023 10:56 Leave a Comment

Driving without insurance is never okay and it is something the police check for regularly. So it’s important to always have proper insurance for the vehicle you are driving, no matter how short the journey. Even if you are just driving a friend’s car for an hour or, you have to be insured (that’s why hourly car insurance is so useful).

You’ve probably heard of MID, and might know that the police check the MID for uninsured cars on the road. Understanding how this works, what AskMID is, and how databases are updated, is key to ensuring your peace of mind when you get behind the wheel of a car, whether you have taken out temporary insurance on it or just started a new annual policy.

If you are wondering about how long your insurance will take to show up on the database, we explain everything you need to know about checking the status of your car insurance right here…

What is the Motor Insurance Database (MID)?

The MID, which stands for Motor Insurance Database, is the central UK database of all insured vehicles.

When you buy a car insurance policy the details are uploaded to the MID to show that the vehicle is insured. The insurance provider or broker you purchase through (like ourselves) are responsible for doing this in a timely manner.

We update the MID twice a day, every day.

What is AskMID and How to Check It?

AskMID is the site used to check the MID database. It is used to check if a vehicle is insured or not. You can do this by visiting AskMID.com and inputting vehicle details. That’s all there is to a MID check.

It’s important to remember that the MID database and MID checks rely on up to date information being in the database. So if you have only just purchased a policy and then do a MIDcheck – your insurance isn’t going to have made it onto the database yet. But you can still drive your car!

As long as you have purchased an insurance policy for the vehicle and have the proof, which is your certificate of insurance and Schedule, you are insured to drive. Waiting to drive until your policy shows up on the MID is completely unnecessary.

Do the Police Use AskMID?

The police check car insurance of vehicles on the road by checking AskMID. Whilst you may think, “well I certainly can’t drive until I can see that my insurance has been updated on the MID”, this simply is not the case.

If you have bought a policy and are insured, but the police pull you over as your information hasn’t been updated on the MID yet, there is no need to panic. You can confirm you are in fact fully insured by presenting the officers with your insurance documents.

And don’t worry, you don’t have to wait around for letters and paperwork confirmation of insurance when you buy with us. You can get insured in under two minutes thanks to our quick and easy quoting process. Once you have your policy all the documents you need are sent straight to your inbox. So if you were to ever be pulled over after the police carry out a MID check, you’d be able to show your email containing your policy confirmation documents hassle free.

How Long Does AskMID Take to Update?

When you buy an insurance policy, the MID is not automatically updated. So gaps between purchase and the database being accurate are very common.

If you were to buy a one hour car insurance policy from anywhere, it is unlikely your policy would show on the MID within the time you are using the vehicle. This is no issue though, and does not prevent you from driving.

At GoShorty, we’re not like everyone else, and we send the required information to the MID twice a day, 365 days a year. So whether you buy a policy at the weekend or on Christmas Day, you can have peace of mind that the MID will be updated in a timely manner.

We know how frustrating it can be if you are pulled over by the police for not showing up on AskMID, so we want to ensure we are updating the database as frequently as possible, to avoid large data gaps. Unlike many other insurance providers who only update MID every day or even less frequently, here at GoShorty we update MID twice a day, every day.

However long it takes for your purchased policy to show on the MID should never impact you using the policy, though. If you are insured, you can drive.

Car Insured But Not Showing Up On MID? What to Do

You are insured as soon as you have confirmation from the insurer, not from when the policy shows up on the MID. So, if you are worried about a weekend insurance policy you buy on a Friday night not being on the MID still within a few hours of purchasing, there’s no need to cancel the weekend road trip you had planned. You can drive as you had hoped, just have your proof of insurance email from the insurer to hand, just in case.

If you’re not showing up on the MID after a couple of days, it’s best to check the details on your policy are correct – if any registration details have been inputted incorrectly this will cause issues with the MID showing you as insured. Supplying incorrect details when purchasing insurance may also invalidate your policy.

Does Temporary Insurance Show on MID?

Yes, when you buy a temporary insurance policy it will show on the MID. When it shows up on the MID will depend on when you purchase the policy, combined with when we send data to the database.

However, as long as you have supplied all the correct details when applying for your insurance and received confirmation of your policy from the insurer – you can drive irrespective of what AskMID says.

Having a valid insurance policy on the vehicle you are driving is a non-negotiable, the policy showing up when you check MID is not.

So whether you want insurance for one day, one week of cover or car insurance for a month, your insurance will show up on the MID. And as soon as you have the cover, you can be on your way.

We like to keep things simple here at GoShorty, so you can get your temporary insurance in under two minutes thanks to our simple quote process, you’ll get proof of insurance straight to your inbox, once you’ve got that you can drive the vehicle within the window you insured it for.

Get behind the wheel with your fully comprehensive temporary cover, and let us worry about the MID. So, whether you need to get emergency insurance right there and then, are wanting to get insurance for a private test drive or are planning a weekend away – don’t let waiting for your insurance appearing on AskMID stop you from driving.

When you buy from us you’ll have your policy confirmation within two minutes and can get on the road straight away!

Private Test Drive Insurance: Everything You Need to Know

13 September 2023 15:26 Comments Off

Buying a new car can be an exciting process and it’s easy to get carried away with flash new features – warm seats, anyone? But as with all major purchases, it’s essential to step back and consider if you’re making the right choice for you – and more importantly, if the car itself is in the correct working order.

A test drive is a great way to check how a vehicle drives and make sure that everything functions as you’d expect before you sign on the dotted line. Testing a car from a dealership typically means that you’re covered by their policy. If you do purchase though, it’s always best to check you have the right drive-away insurance in place.

This is different to a private sale, where it’s your responsibility to ensure you’re insured before taking the vehicle on a test drive and you definitely will need to organise driveaway insurance if you do purchase the vehicle.

So, whether you are having a private test drive before purchase, or about to drive off into the sunset with your new vehicle – temporary car insurance is always the perfect solution.

**Why Are Test Drives Important?**

A test drive is a great way to get a feel for a car, decide if it’s a good fit for you, and fully inspect every nook and cranny. It’s arguably the most important part of purchasing a car, as it gives you the chance to spot any issues that might only be noticeable in transit.

Without a test drive, you could miss issues like a faulty clutch, poor power steering, or slipping brakes. Fail to spot these errors before purchase, and you could be stuck with a car that isn’t fit for purpose, and in need of expensive repairs.

Once a car has been bought and the money handed over, it can be difficult to negotiate a return. Making sure you’re totally happy with your decision to purchase before you agree to the sale is absolutely integral to such a big investment – and a test drive is key to this decision-making process.

**Do I Need To Be Insured When Test Driving a Car?**

You need to have insurance in place when having a test drive. If you are test driving a car at a dealership they may have cover already in place. If it is a private test drive you will need to organise your own insurance, hourly car insurance can work perfectly for this.

Car insurance is always needed to cover you when you get behind the wheel of any car. It doesn’t matter who the car belongs to, where you are in the country, or how long you’re going to be driving it.

Test drive insurance for a private sale vehicle is a legal requirement, which is why many drivers opt for short-term temporary cover. Test drive insurance covers the vehicle from any potential damage or accidents, and also protects the owner’s no claims discount on any annual policy they might have in the event of an accident. Meaning you can test drive the car with the complete peace of mind that you have the right cover in place.

Test Drive Checklist

It can be hard to know what to look for when test driving a vehicle, especially if you’re a young driver buying your first car. To make things simple we’ve created a comprehensive checklist of what to look out for on your test drive.

Car Body and Paint Work

The first thing to check is the general appearance of the car. Scratches, dents and other obvious flaws can be a sign that the car has been involved in an accident and there are issues beneath the surface, too. If the paint is patchy or there are sections of bubbling, the metal underneath might be rusty – which can be a real pain to fix.

Gaps in the car panelling can also be a cause for concern, as it may signal that previous repairs have been carried out poorly, or that there is further damage that might not have been disclosed.

If the car is a convertible or has features like a sunroof, you should check these functions are working well. If it’s a soft top, check for tears and mould, and test the mechanism to make sure it’s operating smoothly.

Inside Checks

There are a lot of features inside the car that need to be checked before driving off – and we don’t just mean the radio! Make sure the lights and indicators are in working order and that they’re connected to the lenses outside the vehicle.

It’s important to check the mileage of the vehicle too, to see if it’s consistent with the paperwork you’ve been supplied with. If the odometer shows low miles, but the steering wheel, gear lever and pedal rubbers are worn, the real mileage could be significantly higher.

You should also assess how comfortable it is to sit in – this is where you’ll spend most of your time in the car, so it needs to be pleasant. Check that the seatbelts pull out smoothly and that the seat can be adjusted easily to your preferred fit. Test the electric windows and mirror to see if they work properly, as well as the ventilation systems. If it’s blowing the wrong temperature or is making a strange noise, then there’s likely a fault that you need to be made aware of. If there’s a sat nav fitted, make sure it’s properly calibrated and set for the correct location.

Tyres and Suspension

Before driving off, you should check if the tyres and suspension are safe and legal. The tyres should have a tread depth of at least 1.6mm, which can be checked with a 20p coin. Simply insert the coin into the groove of the tyre to see that the tread covers the outer band of the coin. If so, it’s legal and safe to drive.

You should also check that any wear to the tyre is even across the wheel and its tread. If not, this may indicate there’s an issue with the suspension. You can check this by pushing down on each corner of the car. It should bounce back up smoothly. If it fails to, there may be a bigger issue at play.

If the car comes with a spare wheel, check its condition. You certainly don’t want to pop a tyre only to find that the spare is worn down or punctured.

The Boot, Locking System and Everything Else

One of the most important parts of any car is its locking system. You don’t want to drive away only to find out that you’ve bought an unsafe car.

Space can also be an issue. Think about how you use your car on a daily basis. Is the boot big enough to fit your weekly shop? Is there enough room to get a pram and child seat in and out of the car? Can you fold down the seats if you need to move stuff from A to B?

You may want to take your essentials along for the test ride to check they fit and don’t prohibit your view or usage of the car, to save you from any surprises on the way home.

Taking The Car For a Drive

Every car drives and handles slightly differently, which is why actually testing how the car drives is arguably the most important part of the buying process. Make sure you’re comfortable behind the wheel, happy with the way everything works and feel totally in control of the car.

The test drive is your chance to test the steering, make sure the brakes are all in working order, try out other features like cruise control, and listen out for any concerning sounds – especially when accelerating. Clunks, rattles and other sounds could be a sign that something is wrong with the engine, so keep a close ear for any noises. (We recommend spending the majority of the test drive without the radio on – sorry!) Excessive smoke coming from the exhaust or the engine is another sign that something is off, so make a note of this before returning the vehicle.

A few other things to consider:

If you are test driving a car from a private seller, you might want to request a cold start, meaning flicking that ignition when the car has been sitting dormant for several hours. If the car bonnet feels warm, it could indicate that the seller is trying to conceal an ignition problem.

If you are buying from a private seller and the test drive has gone well, ask whether you can pay for a mechanic to check the car over. Whether or not you decide to go ahead with it, the seller’s reaction should tell you if they are trying to fleece you into a bad deal.

Private Test Drive Do’s and Don’ts

When taking a private vehicle for a test drive there are a few guidelines that you should follow. To make things easier for you, we’ve put together a couple of key rules to ensure your drive goes smoothly.

Don’t Waste Time

A test drive should usually take between 15 and 30 minutes. You should take your time adjusting the vehicle to assess how it handles, but it shouldn’t take longer than 30 minutes to check the basics of the car. A quick drive to test the brakes, clutch, steering and other essentials should be enough to ascertain its working order.

Be Respectful

You’re there to test the car, not to borrow it. Test drives aren’t for you to run errands or take a quick trip through the drive-through – so don’t take the mick! No matter where you go, make sure that you leave the car as you found it. Take all your personal belongings with you, as well as any rubbish or empty coffee cups you’ve accumulated on the way.

Stay Alert

As a general rule it’s best not to daydream when driving – ever – but especially when you’re driving a vehicle you don’t own! Not paying attention is a sure way to end up with bashed car doors or a shattered side mirror. The last thing anyone wants when trying to sell their vehicle is unexpected damage, so make sure you stay alert and extend the car the same care you would your own. Even if you’re covered for the damage, it’s going to be an awkward drive home…

Don’t Waste Fuel

Drive how you would if you’d filled the tank yourself – which is to say, razzing the car up and down the street is going to waste a lot of fuel and put unnecessary strain on the engine – don’t do it, even if you’re tempted to test the acceleration speed. Testing the car on different roads can be useful, so pick a route through a few local areas.

Get Comprehensive Test Drive Cover

Test drive insurance is the most crucial part of any private test drive. Without it, both you and the car owner are at risk of damage and costly claims.

Our temporary insurance policies can save you time and money by covering you for as short a period as 1 hour. Our car sharing insurance protects you, the car and its owner while you’re taking a test drive, so you can drive away knowing you’re all fully protected. We cover a range of vehicles, including vans. Our quick and easy-to-use temporary insurance calculator can give you the average cost of a policy so you can get an idea of what you might be paying, before you get an exact quote.

Our process couldn’t be simpler, and we can get you insured in as little as 90 seconds, so you can get from A to B as soon as possible. Invest in hourly insurance for your test drive and get one step closer to finding your dream car, with GoShorty.

Breaking the Stigma of ‘City Car Insurance’: Why GoShorty Wants to Insure More City Dwellers

14 July 2023 10:34 Comments Off

City-dwelling drivers tend to come up against challenges when finding affordable, fully comprehensive coverage.

This is no surprise (as we’ll come on to) but at GoShorty, we’re determined to break the stigma associated with insuring city-based drivers.

Our temporary car insurance is just the ticket to help defy industry norms and provide more useful coverage that caters for the unique needs of urban vehicle owners.

With an impressive number of customers based in cities, GoShorty is committed to serving this often underserved market.

**Why is There A Difference Between Rural & City Car Insurance?**

Postcodes in urban and inner-city areas are considered riskier by insurers because of their denser population, theft rate, on-street parking and heavier traffic flow. It would seem to make sense that the more cars there are on the road, the greater the chance of an accident.

However, as Pass Me Fast points out, traffic in the city is usually constrained to a lower speed limit (and due to the heavy traffic you rarely hit that!), the national speed limit on winding country roads can lead to blind corners at inappropriate speeds.

In the city you need to be aware of bikes weaving in and out of traffic – but the country also has cyclists, as well as wild animals appearing out of nowhere! Wherever you drive, there are perils and worries for insurance companies.

This unfair stigma means there’s more of a car insurance postcode risk placed on city-dwellers – meaning higher costs if you’re city based.

**What Are the Biggest Causes of Insurance Claims?**

So why do city-dwellers pay more? Understanding the most common insurance claims can shed light on why car insurance if you live in a city is more expensive.

Taking London as an example, drivers in the capital pay the highest insurance premiums (£608 on average) but this is tied to the fact that they are the highest average claimants (£6,189).

City car owners pay more simply because there are more incidents involving theft, vandalism and accidents in urban areas. When there are one million uninsured drivers on the road, you can see why insurers want to make sure they are covered, as well as you.

Breaking the Stigma

GoShorty is leading the charge in breaking the stigma associated with city car insurance.

Over our years of operations, we have developed strong acceptance criteria. We work with a wide array of brokers, allowing us to offer policies to people in cities where some insurers may be wary of providing cover.

We believe in providing equal opportunities for all drivers, regardless of their geographical location. By challenging conventional notions and embracing the unique needs of city dwellers, we are paving the way for fair and inclusive car insurance options.

If you regularly drive in a city, there are some tips that can help prevent incidents and minimise risks, reducing your need to claim!

Not only do you need to be aware of bicycles and motorbikes, it’s now important to stay alert and be mindful of the increased presence of rented e-scooters! The 2022 addition of the ‘Dutch reach’ to the highway code has never been so timely.

Maintaining a safe following distance, being aware of pedestrians, and utilising advanced safety features in vehicles can go a long way in reducing the likelihood of accidents.

Check the travel news before you set off – with continual roadworks, a higher proportion of events, and the potential for accidents on higher speed limits, you don’t want to drive yourself to a standstill.

We are dedicated to changing views surrounding city car insurance and providing fair coverage options to urban drivers. We want to revolutionise the insurance industry. To learn more and see how little temporary car insurance could cost you get a quote today.

Emergency Car Insurance Guide

10:16 Comments Off

Dealing with an emergency is stressful enough. The last thing you need is the added burden of worrying about obtaining car insurance in the midst of chaos.

At GoShorty, we understand the urgency of such situations and aim to make the process of acquiring emergency car insurance as quick and straightforward as possible.

With our instant car insurance solutions, we strive to provide immediate peace of mind when you need it most. Whether you require temporary car insurance, coverage for a specific driver, or even temporary van insurance, GoShorty has got you covered.

**What Is Emergency Car Insurance?**

Emergency car insurance refers to the type of coverage you may need to obtain immediately to address unforeseen circumstances.

Life is unpredictable, and you can find yourself in situations when you might find yourself in need of instant car insurance to navigate through an emergency quickly and effectively.

Maybe you need emergency cover to borrow a friend’s car for an urgent trip. Perhaps you’re test-driving a vehicle you’re considering purchasing, or you require immediate coverage for a van to haul something large around.

In these cases, having emergency car insurance can save you from the stress and cost of arranging long-term coverage or the risk of being uninsured during critical moments.

With GoShorty, you get cover from one hour to 28 days – so whatever the emergency, you will be able to ensure you can drive through it. And whoever’s car is needed to be insured in the emergency will have peace of mind knowing that their no-claims bonus will be protected. So in the event of a second emergency, you really don’t have to worry!

**How to Get Instant Car Insurance?**

When faced with a stressful scenario, the last thing you want is a complicated insurance process that further delays your plans. At GoShorty, we offer a seamless and expedited way to get immediate car insurance coverage.

You can be on your way in less than two minutes – just follow these easy steps.

1 – Enter your registration number
2 – Provide essential details, such as your personal information, vehicle details, and desired coverage period.
3 – Receive a quote in as little as 90 seconds, allowing you to make an informed decision quickly.
4 – Once you’ve selected the appropriate coverage and made the necessary payment, you’ll receive your insurance documents digitally, ensuring immediate cover removing any doubt of whether you are covered or not.

Our streamlined process eliminates unnecessary paperwork and time-consuming procedures, allowing you to focus on what matters most in emergency situations. Whether it’s a last-minute trip, temporary vehicle use, or any other unforeseen event, GoShorty is here to provide instant coverage that meets your needs.

Explore our range of temporary car insurance options, discover the drivers we cover, or find temporary van insurance solutions to cater to your specific needs. With GoShorty, navigating through unexpected events becomes easier, providing you with the peace of mind you deserve.

Just Passed? Why Temporary Car Insurance is A Great Option for New Drivers

12 July 2023 00:14 Comments Off

Congratulations on passing your driving test! The world of independence and freedom behind the wheel awaits you.

Before you rush into getting added onto your parent’s car insurance, or getting a new, expensive policy of your own, it’s worth taking the time to understand all the options available to you.

One consideration that offers a flexible and cost-effective solution for new drivers who want to get on the road without breaking the bank is temporary car insurance.

In this article, we’ll explore what temporary car insurance is and why it is a great choice for new drivers like you.

The Cost of Your New Car

Keep that sense of elation from receiving your licence in your heart, because the harsh reality of the cost of driving is about to arrive.

Recent research conducted by Cinch reveals that the cost of owning a first car is constantly increasing. In years gone by, the standard ‘congratulations’ vehicle would be a low-cost £500 run around with 100,000 miles on the clock. The perfect vehicle to cut your teeth with while in the first year or two as a qualified driver.

However, the days of finding a cheap runaround seem to be over. Cinch reports 27% of drivers now have a first car that is less than four years old.

This means that the average cost of a first car has risen to £6,600 placing additional strain on families already facing a cost-of-living crisis.

So in addition to the ongoing petrol price hikes, MOTs, annual services and insurance, your new car is going to be pretty intimate with your bank account.

As a result, it’s important to approach the financial aspect of owning a car with careful consideration, especially as a new driver.

**Don’t Be Too Hasty!**

As a newly-passed driver, the excitement of finally having a licence can be intoxicating. You want to get on the road as quickly as possible, do that first Big Shop, travel to see a mate or even plan a road trip.

However, it’s crucial not to rush into purchasing an annual insurance policy without exploring alternative options.

Car insurance for new drivers is incredibly pricey. According to the Association of British Insurers, the average cost for an 18-20 year old is £972. And premiums have increased over the past few years due to the pandemic.

Taking time to understand all the factors that can affect the cost of your insurance policy, and shop around, means that you will be able to find the best deal.

Day Insurance for New Drivers

Don’t panic. While you do your research, you can still get behind the wheel and take that trip to the beach by utilising pay-as-you-go car insurance. Temporary car insurance, such as that offered by GoShorty, allows you to gain coverage for an hour, or a whole day.

This flexibility not only buys you time to explore various insurance options but also makes it far more affordable to get insurance for a borrowed car, if you haven’t purchased your own.

Buying a temporary insurance policy can help new drivers ease into the responsibilities of car ownership without committing to long-term policies and expensive premiums.

You may not know how often you’ll be using the car, or how regularly you’ll be able to. Paying expensive premiums for a monthly trip to the supermarket doesn’t make sense.

Of course, borrowing a car from a parent or relative is a common practice for many new drivers. Temporary car insurance also provides a convenient way to ensure you’re adequately covered whilst taking advantage of this. It allows you to drive legally and responsibly without shouldering the financial burden of an annual policy. And parents will be happy to know it provides protection for your no-claims discount.

At a time when young drivers are needing to be financially supported by their parents, taking advantage of temporary car insurance allows you an affordable way of keeping your driving practice up by borrowing a car when you need to.

Temporary car insurance offers new drivers a cost-effective and flexible alternative to annual policies. By taking advantage of pay-as-you-go options, you can avoid the hefty premiums associated with traditional insurance. Whether you need coverage for an hour or a day, temporary car insurance provides the freedom to drive legally and provide peace of mind, without breaking the bank

So, once you’ve passed your test get a temporary car insurance quote before breaking the bank on an annual policy.

Tag Archive: temporary car insurance

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Test Drive Checklist

Car Body and Paint Work

Inside Checks

Tyres and Suspension

The Boot, Locking System and Everything Else

Taking The Car For a Drive

Private Test Drive Do’s and Don’ts

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**Why Temporary Insurance Might Work For You**

**Why Are Test Drives Important?**

**Do I Need To Be Insured When Test Driving a Car?**

**Why is There A Difference Between Rural & City Car Insurance?**

**What Are the Biggest Causes of Insurance Claims?**

**What Is Emergency Car Insurance?**

**How to Get Instant Car Insurance?**

**Don’t Be Too Hasty!**