One-day car insurance is a type of insurance policy that is regarded as a short-term policy. If you’re looking for a one-day vehicle insurance policy, you may be out of luck in the insurance market.


One day car insurance, most insurance companies provide typical contracts that last at least six to twelve months, making interim insurance a little more difficult to come by. Fortunately, there are some short-term policies available that last only a few months.

What happens if you borrow a friend’s automobile for the day? Or, while renting a car for a business trip or a road trip, how can you be sure you’re covered? There are several instances where you may simply need to drive for a day or two.

In that situation, you’ll want to make sure you’re covered by auto insurance to avoid being held liable for damages or responsibility. Here are a few common scenarios and the insurance options available to you:

If you borrow a car from a friend/relative

Let’s pretend you’re heading to the beach for a day. Because you don’t possess a car, one of your friends allows you to borrow their vehicle for the day. In most cases, if a friend lets you drive their car, their car insurance coverage will cover any damages you do while driving the automobile. Keep in mind that the extent of coverage depends on the nature of the accident and the friend’s coverage limits.

You should look into non-owner car insurance if you wish to be covered for any property damage liability or bodily injury. This is a wonderful alternative for persons who frequently borrow or rent cars but do not own one of their own.

If You’re Using a Rental Vehicle

Rental car coverage is usually included in most car insurance packages. However, it’s a good idea to check with your auto insurance company before renting a vehicle to ensure that you’ll be covered if you damage the vehicle in any way.

Keep in mind that if you’re renting a larger moving vehicle, such as a U-Haul, the rules may be different. Your liability policy may apply in this scenario, but you may need to purchase collision coverage from the rental business.

What if you’re going to rent a car but don’t have auto insurance? In that situation, a collision damage waiver might be a good idea. A collision damage waiver, while not technically insurance, ensures that the rental car company will not hold you liable for repairs in the event of an accident or theft. It’s usually between $20 and $30 per day, depending on the rental car provider and the sort of vehicle you’re borrowing.

Read also: Auto Insurance

Check the fine print of your credit card agreement before speaking with your rental car company, as some credit card providers include collision damage waiver coverage.

If you’re driving a car that’s been in storage before,

Perhaps you have a vehicle that you only use on exceptional occasions. It may be a sports car or a luxury vehicle that you’ve been tinkering with for a while, but now it’s time to put it to the test. How can you be sure you’re covered in a car that’s been sitting in a garage for a long time?

In this situation, you’ll want to get this car’s auto insurance as low as possible right away. You might reduce your liability and collision coverage by opting for comprehensive coverage, which protects the vehicle against theft or fire while it’s in storage. Then, before you take it out for a spin, call your auto insurance provider to double-check that coverage has been reinstated on your policy—even if you’ll only be driving it for a single day. If you get into an accident, make sure you can afford your deductible.

While there is no such thing as one-day insurance, there are short-term auto insurance choices that can help you stay insured even if you’re only driving for a few hours. While your usual insurance carrier may not offer short-term coverage, you can locate companies that offer policies that run anywhere from one to six months.

You are a larger risk in the eyes of a car insurance provider if you just drive once in a while, thus you may pay higher premiums. Depending on the conditions of the insurance, you may be covered for more than one day. You may be charged cancellation fees if you cancel this short-term policy after driving for a day or two.