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Can You Get Temporary Insurance for High Value Cars?

Jun 14, 2024

Yes, you can get temporary insurance for high value cars, though some insurers set limits on the value of the cars they’re willing to cover.

We can help you get temporary car insurance that will give you comprehensive cover for 1 hour to 28 days, for cars up to a value of £65,000. For a free quote, call us on 0208 290 9086, or email personal@anthonyjones.com.

What is Temporary Car Insurance?

Temporary car insurance is exactly what it sounds like – a temporary car insurance policy that will cover you for a set period of time. This could be for as little as an hour, or as long as 28 days.

For the duration of the temporary policy, you get comprehensive cover for fire and theft, liability for third party damages and injury, accidental damage, personal belongings, and more. You only ever pay for the cover for as long as you need it. This can make temporary car insurance a cost-effective alternative to an annual policy, or a named driver arrangement.

When Might You Need Temporary Car Insurance?

Here are a few examples of when temporary car insurance might be the most convenient or affordable choice for cover:

  • Test driving a car or driving a newly purchased car home from a dealership or private seller.
  • Splitting driving duties during a road trip with friends or family.
  • Borrowing a car from friends and family.
  • Hiring an alternative car while your main car’s getting repaired.

Your annual insurance policy may not cover you to drive other cars, or for other people to drive your car. Or, if it does, it may only provide third party cover. Yet with temporary car insurance, you can get comprehensive cover to last exactly as long as you need it – even if it’s just for an hour.

Even better, your temporary car insurance policy will be independent of any other car insurance policies you have. As a result, if you need to make a claim on your temporary car insurance policy, it will not affect your no-claims bonus on your annual policy.

Why Is Temporary Insurance Particularly Important for High Value Cars?

If you need to move or drive another car, in some cases, you might be covered by your own car insurance. This type of cover isn’t as common as it has been in the past, so you should always check your policy. However, if you do have this cover, it’ll only be 3rd party. This means any damage to the car you’re driving won’t be covered, which could cost you a lot of money should the car you’re driving be particularly valuable.

Why Don’t All Insurers Offer Temporary Car Insurance for High Value Cars?

Some insurers may be reluctant to provide temporary insurance for high value cars. Thieves may be more likely to target certain high value cars. And if the car’s involved in an accident, the repairs will not come cheap.

Because of this, some insurers believe that arranging for temporary cover for high value cars may be more trouble than its worth. Some may set strict limits on the cover they’ll provide. Others may outright refuse to provide any cover at all.

But at Anthony Jones, we can help you get temporary car insurance for any make or model of car, up to a value of £65,000. You can get comprehensive cover for 1 hour to 28 days, and you will only pay for the cover you need. For a free quote, call us on 0208 290 9086, or email personal@anthonyjones.com.


Get a Quote

You can call us during normal office hours, Monday to Friday, 9am to 5pm. Outside of office hours you can either email us or leave an answerphone message and we promise to get back to you the next working day.

General enquiries:
020 8290 4560

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