Insuring a loaned car with temporary insurance: how does it work?

A loaned car can be insured temporarily if it doesn't have active insurance or if the loan isn't covered by the usual policy. It's simple and immediate with KT Tempo.

Lending your car to a friend, family member, or colleague for a few days is a common practice. But what happens if the vehicle isn't insured at the time of the loan? Or what if the insurance doesn't cover another driver? In this case, temporary insurance is a simple, quick, and perfectly legal solution.
At KT Tempo , we offer short-term plans from 1 to 90 days to insure a loaned car , even in an emergency, in just a few clicks. Let's find out in which situations this option is necessary, how it works, and why it's so convenient.

When should you buy temporary insurance for a loaner car?

1. If the car is no longer insured

Some cars are parked off-road and no longer have an active policy. However, to be able to drive, even temporarily, the law requires at least civil liability coverage (Article L211-1 of the Insurance Code).

👉 In this case, temporary insurance allows you to drive legally for the duration of the loan .

2. If the driver is not declared on the insurance contract

Some insurance contracts do not allow lending to third-party drivers , or provide for a very high excess in the event of a claim with another driver.

👉 Temporary insurance specific to the driver can then avoid any dispute or refusal of compensation .

3. If you borrow a vehicle from an individual (excluding rental)

When the loaned vehicle belongs to a relative or an individual and you do not have any valid cover certificate in your name , a short-term policy is strongly recommended, particularly to cover a one-off trip or a weekend.

What are the benefits of temporary insurance for a car loan?

A quick subscription, 100% online

At KT Tempo, subscribing takes less than 5 minutes :

• You enter your information and that of the vehicle
• You select the duration (1 to 90 days)
• You will receive your certificate immediately by email

Immediate and tailored coverage

• Compulsory civil liability included
• Defense/recourse and assistance available as an option
• Possibility of insuring many types of vehicles (cars, utility vehicles, camper vans, etc.)

An economical solution for short stays

Rather than taking out an unnecessary annual policy or risking driving without insurance, a plan for a few days is often much more advantageous in the case of a one-off loan.

What does the law say about vehicle loans and insurance?

The Highway Code authorizes the loan of a vehicle provided that it is insured at the time of driving .

If this is not the case, the driver risks a fine of €750 , the impounding of the vehicle and a driving ban.
The owner may also be liable in the event of uncovered damage.

Conclusion

When you lend or borrow a vehicle , it is essential to ensure that it is properly covered to avoid any legal and financial risks . With KT Tempo temporary insurance , you benefit from a simple, fast solution adapted to your specific needs.
Don't take any risks: get insurance before you get behind the wheel.