Can you get temporary car insurance for a courtesy car in Australia is not common like in the UK where short-term 1-day to 28-day car insurance exists, but there are options. In Australia, most courtesy cars from repairers already include basic comprehensive insurance in the loan agreement, so you do not need to buy separate temporary insurance, but you are liable for excess of $1,500 to $3,000 if you crash. If you want to reduce that excess, you can buy excess reduction insurance from the repairer or from standalone providers like Hire Car Excess Australia for $15 to $25 per day. For insurer-provided hire cars from Hertz, Avis or Budget that your comprehensive insurer arranges after an accident or theft, insurance is included in the rental agreement with a high excess of $2,000 to $4,500, and you can buy excess reduction at the rental counter for $20 to $35 per day, which is effectively temporary insurance to reduce excess to $300 to $500. True temporary comprehensive car insurance for a specific car for 1 to 7 days is not widely sold by major Australian insurers like NRMA, Allianz or Budget Direct, unlike in the UK. However, some insurers like KOBA and Rollin offer pay-as-you-drive or short-term policies, and companies like Uniq Insurance offer temporary cover for borrowed cars. If you are borrowing a friend's car for a few days and want temporary cover, the cheapest option is to be added as a listed driver to your friend's comprehensive policy for a few days, which many insurers allow for free or small fee, or to buy standalone Third Party Property Damage for uninsured vehicle extension if your own comprehensive includes it.
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