Auto Insurance Term

Short term car insurance is a type of auto insurance policy that has a validity period ranging from one day to 11 months. Although a short-term policy cannot replace permanent insurance of car, it will enable you to meet legal requirements to drive a car. Moreover, this insurance policy does not interfere with your other existing long term policies.

What are the Benefits of Short Term Car Insurance?

The distinctive benefits of car-insurance (short-term) are:

These policies are processed within minutes of submitting the form. This enables you to get the protection almost instantaneously, which is in contrast to that for a standard car insurance policy. Insurance companies offer policies with different time periods. You can select a policy for exactly that time period for which the car will be in use. You can add your new car and the vehicle that you may use on a temporary basis under the same policy.

What Vehicles Are Covered Under Short Term Car Insurance?

Following vehicles can be covered under the short-term insurance for car:

Classic cars Modified cars Kit cars Campers Vans

While other vehicles can also be covered under this policy, additional fees or coverage may be required for them.

Eligibility for Short-Term Car-Insurance

To be eligible to get short term cars insurance, you must:

Be aged 21 years or above. Not have received more than six penalty points. Not have faced disqualification over the past five years. Not have made more than one claim in the past three years.

When to Choose Short Term Car Insurance

Some of the typical scenarios when you may need to opt for short term car insurance are:

You have bought a car and are awaiting its long-term insurance to come into effect. Your car’s old insurance policy has expired and the new one is still in the processing stage. You want to add another driver for your vehicle. You are driving a car that does not belong to you.

By: Kitz S