Conditions

Every insurance policy includes a myriad of conditions, from the obvious to the arcane. Policy documents list these restrictions and drivers should be aware of them. Policies vary, but common restrictions include limits on how much the insurer will cover - usually up to a certain maximum, perhaps £40,000, but no higher, regardless of the value of the car damaged. Most policies restrict who you may transport - no acting as a car for hire, for example - or what you may transport - no hazardous materials. Should you need to cancel the temporary cover, most insurers offer no refund. Drivers forfeit the premiums they've paid, though to be fair, these sums are usually small given the limited coverage timeframe.

There are also conditions that vary widely between insurers. Some forbid using temporary cover to get tax on a vehicle. Others find it acceptable. Similarly, some insurers allow drivers with foreign licences to drive in the UK. Others do not. Some cover driving outside the UK. Others do not. If you're looking for these kinds of special situations, research is essential since some insurers forbid what others deem appropriate.

As is evident, cover - even the relatively straightforward temporary cover - is quite complex and should be considered thoughtfully. Drivers should approach purchasing these policies as such and take care with their decisions.