Which temporary car insurance to choose?

Are you going on vacation and want to cover your vehicle for a specific period of time? Do you need to use a car for a few weeks and don’t want to pay for the whole year? Temporary insurance is made for you! What are the conditions of such a guarantee? How much does temporary car insurance cost? Our advice and details of the best 2023 offers on the market!

Temporary car insurance is car coverage taken out for a period of less than one year. Its limited duration must be clearly defined by the terms of the contract.

It is entirely possible that you need insurance to drive a vehicle for a day, a month or as part of a vehicle loan, or a private car rental. In this case, this type of short-term car insurance is made for you! As a result, you respect the legal obligation to be insured , while avoiding making a financial commitment for a period longer than your needs.

French law prohibits any circulation of uninsured vehicles in the territory – article L211-1 of the Insurance Code .

To satisfy this type of driver, most insurers offer temporary insurance for your car, from 1 to 90 days. Some insurance companies even offer an extension of this period up to 3 months, always respecting the rules provided for in the car insurance contract taken out.

How much does temporary car insurance cost?

Like traditional car insurance, the price of temporary car insurance depends on your level of coverage and the options purchased. Thus, all-risk temporary car insurance will be more expensive than third-party temporary insurance.

However, you should know that the price of temporary car insurance will be, in proportion to the number of days of the contract, more expensive than traditional car insurance. This particularity is justified by the fact that your insurer takes the risk of insuring a driver he does not know and whose driving on the vehicle is not daily, therefore at greater risk.

The reduction-increase coefficient (bonus-malus) is not taken into account for pricing. However, you must ensure that you meet the subscription criteria.

Although each profile is different, and the prices will vary according to various criteria such as the model of your vehicle, your age, the reason for subscribing to temporary car insurance, or its duration, here is an example of the prices that you can meet on the market, or via our comparator:

How to take out cheap temporary car insurance?

In order to easily access cheap temporary car insurance to be covered for a short period or as part of a  vehicle loan , it is particularly advantageous to compare offers. Online insurance broker, Réassure-moi provides you with its own car insurance comparator to help you in your efforts. Free, easy to use and very fast, it will allow you to have a clear idea of ​​the prices charged by insurers based on the car coverage offered.

Our online tool saves you valuable time, from research to subscription.In just a few minutes, you will receive our temporary auto insurance quotes and can choose the one that best suits your needs. At Réassure-moi, our temporary car insurance offer can be done 100% online!

Young driver, your status as a novice driver can complicate the task when looking for temporary car insurance. In your case, it is generally better to rent a car that is already insured.

When to take out immediate temporary car insurance?

There are several situations that may imply the need to take out temporary car insurance. Here are the main situations that may justify taking out short-term auto insurance for your vehicle:

What are the conditions required to take out short-term insurance?

Insurance companies often require certain provisions to grant temporary auto insurance to their customers. Here are the main conditions to be met in order to take out temporary car insurance:

Exclusions from guarantees may also exist, thus limiting the extent of your temporary auto coverage. Foreign countries are particularly concerned and the insured must then refer to the green insurance card to find out the countries in which coverage is valid. Generally speaking, the guarantees offered will not always be the same, although the customer has the choice to subscribe to the classic guarantees of car insurance (third-party insurance, intermediary insurance, all-risk insurance), the temporary nature not being only a modulation of its functioning over time.