When it comes to car insurance, individuals often wonder if their employment status affects their eligibility for short term cover. Whether you're between jobs, on furlough, or currently unemployed, it's important to understand your options and whether you can obtain the necessary cover whilst in this situation.
Although your employment status does not necessarily prevent you from getting short term car insurance, many insurers will not cover those who are unemployed because they see them as a greater risk. However; are you REALLY unemployed?
Just what is an unemployed person?
Many people who are retired, between jobs, self employed, home makers, chronically ill, or are temporarily off work looking after a friend or relative describe themselves as unemployed but they are not.
To be classed as unemployed you must be (a) drawing unemployment benefit and (b) currently available for work, if it is offered to you.
If you are in any doubt about your employment status you should check the insurer's policy details and terms of use (you should always do this anyway!).
Eligibility Requirements
Whilst being currently out of work does not automatically disqualify you from obtaining short term car insurance, there are certain eligibility requirements you must meet. These typically include:
- Having a valid UK driver's licence or a license from another EU/EEA country
- Being at least 18 years old (some insurers may require a minimum age of 21 or 25)
- Residing in the UK and having a UK address
- Using the vehicle for personal use or commuting purposes, rather than for business or commercial activities
Provided you meet these requirements, you should be able to apply for short term car insurance through the brokers and get quotes instantly online. There is no need to contact anyone directly as the system provides a convenient and efficient way to compare quotes from a panel of insurers.
Temporary Car Usage
Short term car insurance is designed to provide cover for temporary vehicle usage. Whether you own the vehicle or have borrowed it with permission from the owner, you can still apply for insurance, even if you're unemployed. However, it's important to note that you will need to meet the insurance provider's criteria and declare the nature of your temporary car usage accurately.
Choosing the Right Cover
When obtaining short term car insurance, it's essential to prioritise finding a cover that suits your needs and budget. The system offers a range of options from insurers, allowing you to compare quotes quickly and easily.
Factors to consider when selecting the right cover include:
- Duration of cover: Determine the length of time you require insurance, whether it's for a day, a week, a month, or any other specific period.
- Level of protection: Assess the level of cover you need, such as comprehensive, third party fire and theft, or third party only.
- Add-ons: Consider additional features like breakdown assistance, legal expenses cover, personal accident cover, and windscreen and glass cover, depending on your preferences and requirements.
- Cost: Compare quotes to find a cost-effective option that fits within your budget whilst still providing the necessary cover.
By carefully considering these factors and using the system to obtain instant online quotes, you can find a suitable short term car insurance policy that meets your needs, regardless of your employment status.
Don't let being out of work hold you back from applying for the necessary car insurance cover. Apply now and get instant online quotes for short term car insurance from a panel of insurers. Take advantage of the convenience and efficiency offered by the system, and secure the right cover for your temporary driving needs.