Although a convenient way to get insured it can levy a hefty premium due to the nature of this type of product. This does not mean you have to pay full price and there are ways to get cheap daily car insurance or at least knock a few quid off your quote.
Unlike a standard policy there are few comprehensive comparison sites that deal exclusively with daily insurance. The ones that are available will only compare a couple of different providers and they will tend to return pretty similar prices for the same product.
At this moment in time the only way to get a comprehensive comparison is to visit each site individually and enter your details to get a quote. Of course this can be a pain and to be honest after comparing the main insurers in this market the difference in price is negligible. It is not really worth the effort at this time but as more providers enter the market a more comprehensive daily car insurance comparison site will emerge.
So to get a cheap temporary car insurance policy there are a couple of things that you can do. The main benefit of daily cover is that it allows you to get insured for a day at a time or anywhere up to 28 consecutive days. You can make a significant saving if you plan your car usage for consecutive days rather than a day here and a day there.
Let us say that you are a young driver of about 21 years of age and you need cover for your modest small car. Coverage for a day will cost you £28.72 but if you took out cover for 3 days in a row it would cost you £62.01 which is only slightly more expensive than two separate 1 days policies.
If you want to buy your insurance in the most economic fashion then buy several days at once. The more consecutive days that you get insured for the cheaper the greater the savings will be.
Every insurance policy will have some sort of excess. The compulsory part you cannot change and for daily car insurance will be in the region of £500. If the policy however has a voluntary option then you can reduce the cost. A typical £500 voluntary excess can knock about 20 percent of the cost. In our previous example this would bring our premium for 1 day down to £24.29.
The younger you are the more expensive you premiums are going to be. Sorry but it is a fact of life and this applies to any type of car insurance. In our previous quote if our 21 year old was replaced by a middle aged man you could expect you policy to cost you about a third less.
Obviously there is nothing that you can do about your age and if you happen to be looking for daily insurance under 21 then you would find it nigh on impossible to even get a policy. Under 21 year olds can however get a monthly policy for about the equivalent cost of a weeks worth of daily insurance. Monthly insurance allows much younger drivers to get insured and is a good alternative if you are stuck for a short term policy.
Get a cheaper daily insurance policy right now with the leading online daily insurance specialist.