Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 22, 2020

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Key takeaways...

  • Car insurance for the weekends is ideal for the people who want to use a car for a short period
  • Anyone over 19 years old and below 75 years old is eligible for an insurance policy
  • The weekend car insurance coverage is not a substitute for the standard annual policy

Are you planning a weekend getaway or running errands which may require you to drive a different car other than your own? Then the weekend car insurance policy is the ideal insurance coverage for you.

You may need to use a friend’s car on rare occasions, and this may require you to have a non-standard car insurance policy.

Also, some people walk or ride a bike on weekdays and would only require using a car on weekends.

The weekend insurance coverage runs for approximately three days. Comparison shop for car insurance right now!

When do you need insurance coverage for the weekend?

  • When taking your car for repairs – Having the car serviced can take longer than anticipated and one would need to get a temporary car for the weekend. This calls for the need to get insurance for the temporary car before usage
  • Borrowing a friend’s car Another vehicle may hit your car and you do not want to be involved in an accident without insurance coverage
  • Just purchased a new car It is easier and to obtain a weekend insurance cover before you acquire the annual policy
  • Weekend getaway
  • Vehicle emergency
  • Test Driving You may decide to take the car from the dealership for a test drive on the weekend. Three-day coverage would work out just fine
  • Anyone below 25 years and learning drivers

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How the Weekend Car Insurance Policy Works

If you plan on driving for just a couple of days, it is important to own at least a weekend insurance cover, which only takes less than 30 minutes to acquire. Buying online is a bit cheaper and faster since it does not involve the brokers and underwriters.

Remember to print the documents since the legal authorities may require you to show a proof of insurance which may not be in the Motor Insurance Database.

As much as the weekend car insurance policy is cheap, the premiums charged depend on the age of a person, the previous driving record, the model of the car, and the date and time when you would like the cover to begin.

Leisure travelers are highly likely to receive lower premium rates compared to anyone driving his car to work.

Advantages of the Weekend Car Insurance Policy

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Policy-holders aged between 19 and 75 years old can receive a broad range of benefits that come with using the weekend insurance policy including:

  • A peace of mind while running your weekend errands or when driving a long distance knowing that you are well insured to drive.
  • Immediate coverage should anything happen.
  • Additional options, which may include cover for scratches and dents.

There are times when a car insurance policy may work out for you. Such situations include:

  • Owning a collector car Most insurance companies have restrictions when it comes to the use of the collector cars. They require the owners to drive the cars for pleasure purposes only and limit them to daytime driving only. An alternative would be getting a weekend insurance policy.
  • Pleasure/Leisure User – vehicles used for fun only have lower premiums compared to the others. The insurance companies only acknowledge three uses of vehicles including commuting, business, and pleasure. Therefore, acquiring a weekend cover for your pleasure activities would cost you a little less.

Summary

Weekend car insurance may be affordable but remember that when an accident occurs, your insurer may ask you to pay an excess if you make a claim.

It is important to settle with the company on how much deductible you would be willing to pay so that the insurance company can calculate the proper premium quote.

A weekend insurance cover is not your standard insurance policy, therefore, you need to get an annual policy. Getting one protects you from having problems with the Department of Motor Vehicle which requires you to have an insurance cover and registration on your vehicle.

Compare car insurance quotes today to see how much you could save.