Navigating life’s unexpected turns: The role of day insurance
Life has a habit of throwing unexpected obstacles in your way at the most inconvenient times. Arguably the most irritating situations are a car breaking down when you have somewhere important to be, or an emergency requiring you to drive somewhere when you don’t have access to a car.
The immediate solution to both of those instances is to borrow a friend’s car. Before you do that, however, you will need to be insured. This is where day insurance is the ultimate helper.
Understanding day insurance
Day insurance is short-term coverage that will cover individuals for a specified period. Usually, this is 24 hours, but some companies do offer longer coverage.
Where long-term insurance policies are fixed and fairly rigid, day insurance is very flexible. You can customise the coverage based on your needs and duration of usage. For example, borrowing a vehicle in an emergency may mean you need it for one trip so 24 hours of coverage is plenty whilst being cost-effective.
Day insurance can easily be purchased either online or over the phone. For the more technologically minded there are even mobile apps available which means you can always get coverage wherever you are.
The value of day insurance in unexpected situations
Unexpected situations occur fairly often, and car-related ones are incredibly stressful. Finding yourself without private transportation can disrupt your entire life so borrowing a car helps immensely.
Making sure you have appropriate insurance, whether it is your normal policy or a temporary one, is a legal requirement in the UK. In an emergency, you do not need to be worrying about any police involvement if you are driving around uninsured.
Day insurance isn’t only for emergencies, it can be for planned events as well. Moving home, for example, is a huge expense. You can cut down some of the costs by borrowing a friend’s van and using that rather than a removal company. You will need to pay for temporary van insurance but the cost of this outweighs the cost of a professional company.
If you are an occasional driver, even if there is a car you have access to but aren’t insured on, day insurance could work for you. If you drive the car once every 6 months, for example, rather than paying for insurance you could get day cover twice a year. That would save a bit of money every year!
Immediate coverage and benefits
Not only do you need insurance to avoid legal trouble, but day insurance does come with some other benefits.
One of the best things about it is the speed of coverage. Unless specified otherwise, your policy will be valid from the moment of purchase meaning you are covered immediately. In an emergency, you can have peace of mind that it has been sorted quickly.
Day insurance can also offer other benefits such as vehicle repairs, roadside assistance and alternative transportation arrangements should something happen to you whilst you are covered.