What is a 'temp policy' in motor insurance?

A 'temp policy' in motor insurance refers to a short-term insurance policy designed to provide coverage for limited periods, often tailored for specific events such as temporary vehicle usage or short trips. This type of policy is particularly useful for individuals who may not require coverage for an entire year, such as someone borrowing a car for a few days or renting a vehicle for a short period.

The flexibility of a temp policy allows drivers to meet legal insurance requirements without committing to a long-term policy and can serve various situations, such as holiday rentals or borrowing a friend's car. Since these policies are structured for short durations, they cater to specific needs without the complexity of more extensive year-round coverage.

Other types of policies, such as those that provide long-term coverage or include policies with fewer exclusions, do not fit the description of a temporary policy, which is specifically aimed at short-term needs. Thus, the essence of a temp policy lies in its temporary nature and its intended use for brief or specific circumstances.