Temporary car insurance despite accidents in the past

Can I get short term car insurance with previous accidents?

Click here now to compare insurance quotes!

Accidents and Temporary Car Insurance: What Are Your Options?

If you've been involved in car accidents in the past, you might wonder how this affects your ability to buy temporary car insurance. It's a common concern, as insurance companies often take your driving history into account. The good news? It's certainly possible, though there are a few things you should know.

The Influence of Past Accidents on Insurance Opportunities

Having an accident in your driving history can mark you as a higher risk for insurers, potentially affecting your insurance premiums or your ability to get insured. However, it's not all doom and gloom. Here’s how accidents play a role:

  • The Details Matter: The circumstances of your past accidents matter. Factors include who was at fault, the damages incurred, and any injuries that resulted from the accident.
  • Time Heals: As time passes, the impact of an accident on your insurance prospects may lessen. Accidents typically don’t affect your insurance rates forever.
  • Frequency Counts: The number of accidents matters. A one-off incident is less likely to influence insurers than a history of multiple occurrences.

Temporary Insurance: A Viable Solution Despite Past Accidents

Temporary, or short-term, car insurance is a flexible option, often used when you only need insurance for a short period. But if you're worried that your accident history might cloud your chances, you’ll be relieved to know that many people in similar situations successfully obtain this type of insurance.

Driver with past accidents
I had an accident but still got short term insurance!

Steps Towards Getting Temporary Insurance

So, how do you go about getting temporary car insurance if you’ve had previous accidents? It’s not vastly different from applying for standard insurance, but here are some steps that could increase your chances of success:

  • Accuracy with Information: Be honest about your history. Misrepresenting your situation can lead to complications, from increased costs to invalidation of your cover.
  • Shop Around: Use online platforms to compare quotes. Each insurer uses different criteria to assess risk, so it’s beneficial to get a range of quotes before deciding.
  • Consider a Specialist: Some insurers specialise in covering drivers with a less-than-perfect driving history. They might offer you a better deal than mainstream insurers.

Expectations on Premiums and Conditions

Be prepared that, as a driver with a history of accidents, you might face higher premiums. This is simply because insurers might view you as a higher risk. However, this isn’t a hard and fast rule, and shopping around can help you secure a more competitive rate.

Using Online Quotes to Your Advantage

One of the most efficient ways to find out what’s available to you is to get an online quote. It’s a quick process that could save you a significant amount of time. By providing some basic information, you can receive quotes from a variety of insurers, allowing you to compare your options conveniently.

Why not find out now? It only takes a minute or so to request quotes, and you’ll be able to see the offers available to you despite your history. Just click the button to get started, and you’ll soon have a better understanding of what you can access in the realm of temporary car insurance.

Getting Back on the Road with Confidence

An accident history doesn’t spell the end of your driving freedom. With the availability of short-term car insurance, you can find cover suited to your needs, even with some bumps in your driving past. Take the initiative to explore your options, and you’ll be ready to hit the road with the assurance that you’re covered.

Notice: The content contained in this article is for informational purposes only and is not tailored to the needs of specific individuals. Policies vary widely in terms of cover and conditions. It’s important for consumers to check the details of any insurance policy they are considering to ensure it meets their needs.

Frequently Asked Questions

Is it legal?     How is it regulated?     Will I get proof of cover?     What information will I have to give?     When do policies start?     Are there general limitations?     How are premiums calculated?     Can a policy be extended?     Can I get quotes quickly?     How do I renew a policy?     How long can a policy run for?     How would it affect my regular car insurance?     How do I apply for a policy?     Is it expensive?     Are there age restrictions?     Are there hidden fees?     How will it affect my no claims bonus?     What if there is a police check?     Is theft covered?     Are policies really comprehensive?     Can I insure a car I don't own?     Can I insure a high value car?     What sort of vehicles can be insured?     Can I insure an additional car?     Can I get a policy fast in an emergency?     Are there policies for learner drivers?     Can non-UK drivers get cover?     Can I buy a policy for a single day?     Are one week policies available?     Are personal belongings covered?     Can I insure a rental car?     Can I use it for a ride sharing business?     Can it be used for taxing a car?     Can I use it for a test drive?     Is it suitable for tourism?     Can I tow a caravan or trailer?     Can vans be insured?     Can young drivers buy policies?     What is the maximum policy length?     Are there mileage limits?     Would buying multiple policies be a problem?     Would I be covered for driving outside the UK?     Are there large policy excesses?     Can I buy a policy with a Northen Ireland licence?     Can breakdown cover be included?     Will points on my licence stop me from getting cover?     Will previous accidents be a problem?     How does it differ from pay as you go insurance?     Where can I drive in the UK?    

Click here now for quotes!

British Insurance Brokers Association Logo