Car insurance protects you when you are on the road, but it is not necessary to have long term car insurance every time. If you are going to borrow or rent a car for a short period then temporary car insurance is the perfect option for you. However, before purchasing short term car insurance, you must understand what it is, how it provides you coverage and how it works. In this article, we are providing you with all the necessary information about temporary car insurance.
Temporary Car Insurance
Temporary car insurance or short-term car insurance covers you for a short amount of time, usually less than six months. This insurance policy provides you with a comprehensive cover, just like an annual car insurance policy. It can be a cheaper, flexible and more convenient alternative to yearly car insurance if you do not need insurance for the entire year. It usually lasts from 1 hour to 30 days, but some insurers provide you with an option to extend the policy for several months. You can compare quotes from different short term car insurance providers and then select a policy that meets all your requirements.
Why Do You Need Temporary Car insurance?
There are certain circumstances when temporary car insurance is the best option for you. Here are some situations when you need such an insurance policy:
Borrowing A Car
There are some scenarios when you need to borrow someone else’s car, such as you may borrow a friend’s or family member’s car while your car is in the workshop, or you may borrow a van to move some furniture. No matter for which reason you are borrowing a car, temporary car insurance will protect you in this period.
Some people do not use their car regularly. Some people own a luxury or exotic car that they only use on special occasions or to enjoy a road trip. They can get temporary car insurance for the time they use their car to protect themselves and the vehicle. But, you have to remember that according to the law, there are some restrictions on how many times you can get temporary car insurance in a year.
A New Driver
If you are a new driver or learning to drive and use your family vehicle for this purpose, you may need temporary car insurance for new drivers. If you want to extend your car insurance, consider car insurance for young drivers.
If you are going on a road trip with your friends or family, you may do shared driving. In this case, you will need insurance to drive someone else’s car, or you have to amend your annual car policy to add a second driver to your policy. But it is cheaper to buy a separate short-term policy instead of making amendments in yearly car insurance.
Most car dealers have car insurance that covers you for taking a test drive. But if you want to test drive a car for a period, to decide if you buy it or not, you will need temporary car insurance. Most car dealers can arrange such insurance for you, but if you want to get a cheaper alternative, you should arrange it for yourself. If you are test driving an expensive vehicle, then you can get more protection by purchasing comprehensive short term car insurance.
How Does It Work?
Short term car insurance is quick and easy to set up. Many providers offer this service online. To get the insurance, you just need to provide some necessary information such as your name, address, car details, driving history, details of the license, passport details, and how long you want the cover. After validation of your data, the insurer will provide you with the insurance policy. One good thing about temporary car insurance is that it will not affect your no-claim bonus.
How Much Does This Cost?
The significant benefit of temporary car insurance is that you would not have to pay for a full annual policy. With short term car insurance, you will get a cover only for the time you need it. While annual policy protects you for the whole year and you will pay a lot whether you drive a car in this period or not. Therefore, temporary car insurance is a cheaper and more affordable option.
If you are searching for affordable temporary car insurance, you can compare the quotes of the UK’s top insurance providers. In this way, you can pick the best policy without any hassle.