A Guide To Short Term Vehicle Insurance

Short term insurance cover is designed for people who are only planning on driving a vehicle for a short, specified period of time. Taking out one of this policies will make sure you’re covered should you have an accident. It also allows you cover for however long you need, without you having to make a longer term commitment to an insurance policy.

 

In the United Kingdom, temporary car insurance usually runs anywhere from 1 to 28 days (some companies will allow you to extend this further, but that’s the general period for most companies).

 

1 day insurance is particularly popular with people moving house, or just borrowing a car for the day, whereas longer term insurance is great if you’ve just bought a new car but haven’t managed to properly organize your long term insurance. Short term policies will usually run alongside any other long term policies you have, so shouldn’t affect your no claims bonus in the event of an accident.

 

For most companies, you will need to be over 23 to be eligible for a short term policy, although there are a few companies that will insure younger drivers. You will need to have a valid UK or EU driving license (a full license not a provisional), and that license will need to have been held for a one year minimum. Penalty points on your license, disqualifications, convictions and previous claims can all have an impact on your eligibility for short term cover, so you should bear this in mind when applying.

 

Short-term cover is also extremely useful if you’re looking to hire a car whilst on holiday, and is often taken out for this reason.

 

Another reason this type of policy is so popular is that it’s particularly easy to arrange, usually allowing you to organize the cover via the phone or on the internet. These routes mean you can get hold of an instant car insurance quote and makes it very easy to get numerous quotes from several different providers; essential if you want to get the best price.


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This entry was posted on Sunday, July 25th, 2010 at 8:28 am and is filed under Auto Loans. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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