If you are looking for car insurance, and need it without the hassles of an annual quote, temporary car insurance is just right for you. What is temporary car insurance and what are the things you should look out for when you are opting for it?
Definition of Temporary insurance
Temporary car insurance is a type of short term car insurance. It ensures cover for a period of 1 to 28 days.
You can use the temporary cover for a variety of purposes. For instance, if you were driving a new car home, and cannot go for auto insurance yet, temporary car insurance would be just the thing for you.
What are the advantages of temporary car insurance?
• Well, firstly, you get instant cover for any vehicle. You can get an instant online quote from the many sites that are available and buy a policy.
• If you are getting your car repaired, and need covers for an additional car just now, temporary car insurance is what you need.
• Add on covers for multiple drivers is also available. So, next time your friend or relative asks you for your car, insurance will not stop you from lending it to him!
• This is also a great way of claiming a no claims discount on your existing policy. Even if you have to make a claim on an additional car, it will not affect your existing temporary car insurance policy.
Covers on offer under temporary car insurance
There are a number of cover options. You can go for any of these depending on what your situation is. For instance, you can choose a cover when you are
• Testing a new car
• Driving home a new car
• Renting a car
• Insure yourself while travelling by someone else’s car
• Insure yourself while travelling on another persons’ car
Am I eligible for temporary car insurance?
Anyone with a driving license that has been effective for at least a year is eligible for temporary car insurance.
There are other preconditions which may vary. Some providers may insist on you having a certain amount of points on your driving license and not being disqualified in the last few years. They may also attach a minimum value clause for the car you are insuring. You may also have to be willing to accept a maximum amount that the provider will pay you in case of an accident
How to save money on your temporary car insurance
• Get an advantage on any no claims discounts you got elsewhere. This means that you are less of a risk, and so it helps you in paying lower premiums.
• A good driving record should help you in securing better coverage terms
• Go strong on the security of the vehicle. Better security results in affordable premiums.
• Always compare rates while buying temporary car insurance. A reputed insurance provider is always better than an unknown car rental service.
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