Temporary Car Insurance

What is short term car insurance or temporary car insurance?

As you know most car insurance companies offer twelve months insurance on your car which is ideal for most peoples circumstances but there are times when some people will need a shorter term than this which is where temporary car insurance come in useful. Sometimes referred to as short term car insurance, temporary insurance for cars offers a shorter length policy.

Why Do You Need Temporary Car Insurance?

There are a few different instances where you may need to take out a short term policy for a car, for instance if your car needs to be repaired and you need to drive someone else's vehicle or if you are lending your own car to someone else.  When it comes to lending your car to someone there are two options available to you, you can add that person to your own insurance policy, but the risk in doing this is that if there is an accident it could affect your no claims bonus, the alternative option of taking out temporary car insurance means that they can drive your vehicle legally without any risk to your premium.

You can take out short term or temporary car insurance easily and like any other car insurance quote you can do this online or through and agent. In most cases you will contact your current insurer to see if they offer this type of insurance as many do.

Temporary insurance for your car can be a great option for anyone who is in the process of buying a new car as you can easily take out daily or monthly insurance which is ideal when collection or dropping off a car, for instance if your policy is set to expire and you are planning on selling your car and do not want to renew your policy you can avail of daily or monthly insurance instead until your car is sold.

Another benefit of short term insurance is that is can run alongside your current policy or cover any gaps in your policy that may occur due to switching providers etc. Temporary insurance is also available for other types of vehicles such as vans and can be useful for anyone who is moving house and needs to hire a van to transport their belongings.

The most common uses of temporary car insurance are:

1. To cover you in the instance of purchasing a new vehicle
2. To insure yourself on someone else's vehicle
3. Holiday car hire
4. Lending your vehicle to someone else
5. Moving home 

In most cases anyone who is looking to take out temporary car insurance will do so with their current insurance provider.  Temporary insurance is easy to obtain, can provide instant cover and can be purchased online or over the phone.  There are however some instances that will affect your eligibility for temporary insurance such as any penalties that may have been previously issued to you as well as any insurance claims.  It is advisable to do some research before you take out a short term insurance policy to make sure that you are getting the best value and the proper coverage that you require.