Temporary Car Insurance: How to Get 1-Day to 30-Day Coverage
Need Short-Term Car Insurance? Here's Everything You Must Know!Imagine this: you just rented a car in Kathmandu,
borrowed your friend’s car in London, or bought a second-hand car in Australia—but
you only need car insurance for a few days or a couple of weeks. Full
annual car insurance feels like a waste, right?
That’s where temporary car insurance
comes in!
This article will explain what temporary
car insurance is, how you can get coverage from 1 day to 30 days, and
how it benefits Nepali drivers both within Nepal and abroad.
What is Temporary Car Insurance?
Temporary car insurance, also known as short-term auto insurance, provides flexible
and short-duration coverage, usually from 1 day to 30 days. It’s
perfect for:
✅ Driving a
rental or borrowed vehicle
✅ Selling or
test-driving a car
✅ Visiting Nepal
or traveling abroad
✅ Students or
tourists who don’t own a car
This insurance offers the same
protection as standard policies: third-party liability, collision, and
theft coverage—but only for a limited time.
Who Needs Temporary Car Insurance?
If you fall into any of these categories,
short-term car insurance could save you time and money:
🚗 International
Students or Travelers: Nepali students in the USA, UK, or Australia who
rent or borrow a car occasionally.
🚙 Car
Sellers or Buyers: If you’re test-driving or moving a new/used vehicle.
🛻 Family
Visitors: Parents visiting their kids abroad and driving a borrowed car.
🛵 Domestic
Needs in Nepal: Occasional use of a friend’s or company vehicle.
Benefits of Short-Term Auto Insurance
✔️ Flexible
Duration – Choose between 1 to 30 days
✔️ Quick
& Easy – Get covered within minutes online
✔️ Cost-Effective
– Pay only for what you need
✔️ No
Long-Term Commitment – Perfect for temporary drivers
✔️ Full
Coverage Options – Get liability, fire, theft, and collision if needed
Top Providers Offering Temporary
Insurance (by Country)
🇺🇸 United States
l GEICO and Progressive don’t
officially offer temporary policies, but you can cancel a full policy early and
get a refund.
l Dayinsure USA: Offers daily insurance
(partnered with major insurers).
l Metromile: Pay-per-mile insurance, great
for short-term use.
🇬🇧 United Kingdom
l Cuvva: Offers 1-hour to 28-day coverage
via a mobile app.
l Tempcover: Instant online insurance,
ideal for students and short trips.
l Veygo by Admiral: Great for learner and
temporary drivers.
🇦🇺 Australia
l Most insurers don’t offer official “temporary policies,” but Budget
Direct and Youi allow monthly or short-term contracts.
l You can also insure and cancel early, and get a refund for unused
time.
🇳🇵 Nepal
l Temporary car insurance is still limited in Nepal, but insurance
agents can issue short-term third-party coverage for rented or borrowed
vehicles.
l Companies like Shikhar Insurance or Nepal Insurance
Company might offer custom short-term packages upon request.
How to Get Temporary Car Insurance
(Step-by-Step)
1.
Choose Your Provider: Use country-specific platforms like Cuvva (UK) or Tempcover.
2.
Enter Vehicle Details: Registration number, make, model, etc.
3.
Choose Coverage Duration: From 1 day to 30 days.
4.
Upload Your Driver’s License: Ensure it’s valid in that country.
5.
Pay Online: Premium depends on your age, car value, and location.
6.
Get Instant Proof: Policy and documents are emailed or available on the app.
📝 Pro
Tip for Nepali Students Abroad: Use services like Veygo or Cuvva,
which are beginner-friendly and don’t require a no-claims bonus history.
Real-Life Story: Raj from Butwal
Studying in the UK
Raj, a Nepali student in Manchester, wanted
to drive his friend’s car for a weekend road trip to Scotland. Instead of
getting added to his friend’s annual policy (which was expensive), he used Veygo
to buy a 3-day temporary insurance for just £28.
✅ No impact on
his friend’s insurance
✅ Fully legal
and safe
✅ Instant
coverage through his smartphone
How Much Does Temporary Car Insurance
Cost?
It varies based on location, vehicle type,
driver age, and coverage length.
l UK: £10–£40/day
l USA: $15–$50/day
l Australia: AUD 20–AUD 60/day (if
available)
l Nepal: Rs. 500–Rs. 2,500/day (inquire
locally)
💡 Shorter
durations generally cost more per day, but less overall than long-term
insurance.
Things to Watch Out For
⚠️ Limited Availability in Nepal –
Most insurers don’t promote it online. You’ll need to contact local agents.
⚠️ No Monthly Installments – You’ll pay upfront for the full duration.
⚠️ Limited Discounts – Unlike annual policies, you may not get
student/multi-car discounts.
⚠️ Restricted Vehicles – Sports or luxury cars may be excluded.
Final Words
Temporary car insurance is an excellent
solution for Nepali drivers needing short-term flexibility—whether you’re
traveling, studying abroad, or borrowing a car in Nepal. It gives you legal
protection, peace of mind, and affordability without the commitment of a
full-year policy.
So, the next time you plan a weekend road trip, drive a rental, or test out a car—go temporary, go smart!
No comments: