What is Temporary Cover?
We offer two kinds of temporary cover:
- Cover for the vehicle owner on their own car
- Cover to share a friend or family member’s car
Our temporary cover insurance can range from just 1 hour up to 30 days. If you’re sharing the car, it needs to have an annual insurance policy in place. If you're insuring your own car, then this should be the only policy covering it.
Maybe you need to borrow a family member’s car for an airport run. Or you might need to cover your new car before getting annual insurance. These are just two ways you could use Veygo 😊
I want to share a car, but isn’t it dual insurance?
No. Dual insurance is when a person has two insurance policies in their name on the same car. So, as long as you’re not a named driver on any other insurance policy for the car, this will not be dual insurance.
What are the alternative insurance requirements?
If you are borrowing or sharing a vehicle, it needs to be alternatively insured on a personal, annual policy. This cannot be a trade or fleet policy and you cannot be a named driver.
I want to share a car, but will it affect the owner’s no claims bonus if I make a claim?
No. Veygo offers cover which is separate to the annual insurance policy on the car. Any claim you make will not affect the owner’s no claims bonus and they won’t need to declare it on their insurance.
Who is the owner of the car?
We consider the owner of the car to be the registered keeper so whoever's name is on the V5c... logbook to you and me.
How much is the excess?
The accidental damage excess on most Temporary Cover policies is set at £750 and some customers can choose a lower excess of £250, depending on the policy details. The excess for a windscreen claim can be found in your policy schedule, within your account.
Can I insure a lease car?
Yes - we provide cover to private lease cars. When doing a quote, you just need to enter the owner’s details as the person whose name the lease is in. However, don't forget if you are sharing or borrowing someone else's vehicle; the alternative insurance needs to be an annual policy.
Can I add another driver or car to my policy?
Another driver or car can’t be added to your existing insurance policy, but you can buy a separate insurance policy for the other driver or car you wish to insure. When purchasing for another driver, they’ll need to continue as a new customer and create their own account with an alternative email address. Easy.
Can I insure a car that doesn’t have MOT?
It's possible to drive your car to a garage to have a MOT, even if it doesn't have a valid MOT certificate. However, you must have a pre-booked test, the correct insurance to cover your journey and your car must be roadworthy. You can find more information on how to check if your vehicle is roadworthy here.
Can I insure a car that doesn’t have Tax?
Yes, it's possible to insure your car without valid tax, just remember your car must be taxed to legally be on the road. If you declare your car as 'off road', then you don't need to tax or insure it. However, you may want to otherwise your car will have no fire, theft and vandalism insurance, so any damage to your car would have to be paid by yourself.
Can I use Veygo to drive abroad?
No, we only cover driving in England, Scotland, and Wales.
Why have I been declined cover?
We’d love to offer cover to everyone, but our underwriting criteria means we can’t unfortunately. There are many factors taken into consideration, but here are some basic restrictions:
- Minimum age 17
- Must hold full GB license
- If you’re aged 17-21, you need to have held your license for a minimum of 6 months before insuring your own car (no minimum duration if sharing a car)
- The car must be less than 30 years old
How do I extend my insurance?
Policies can’t be extended, you’ll just need to take out a new policy for the time and date your current one ends.
Log in to your account where most of your details will be already complete.
Why isn’t my policy showing on MID?
It can take up to a week for the Motor Insurance Database to update.
If you’re sharing a car, there should be an annual insurance policy already in place. Your cover won’t be valid if there isn’t an annual insurance policy, so if this is the case, please get in touch by emailing email@example.com to cancel.
How do I cancel a policy?
Follow our step-by-step guide here.
How can I contact Veygo?
You may not need to contact us, as we have lots of information on our Help Centre. Just use the search bar to find what you’re looking for 😊
If you can’t find the answer, click here for details of our Customer Care Team.