Auto Insurance Term » 28 Days

Short Term Auto Insurance – A Day Cover!

admin — Wed, 30 Dec 2009 19:04:08 +0000

• Test drive a vehicle

• Shifting of your house – a friend drives your family members to the new place

• Trip to attend a conference or meeting

• Car under repair and you need friend’s car on emergency

• Share an extra driver while on long drive

Short term auto insurance protects a temporary driver, for a short period of time, roughly 1 to 28 days. In case, you have to go on a long drive and can’t drive it alone, you can have your friend or spouse as an extra driver. Add him on to your current insurance policy under a day’s cover.

On an emergency situation, where in you need to attend a conference to your neighbouring town and your car is under repair, you can opt for one day cover or a temporary cover. Always check other insurance companies and compare the different quotes. Opt for an insurance provider with cheaper premiums. Availing a no obligation quote online helps you compare your quotes online. Car insurance experts can also help you get the required information on short term insurance policy. Protect your self from any untoward incident. Secure your life with a suitable cover, pay lesser insurance premiums.

Complete package with a comprehensive cover.

No obligation quote – compare online

Get your insurance for car in a short time

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An affordable insurance cover

Even a family member or close friend can be covered if he or she drives your vehicle for a day or two.

Need for short insurance cover arises when you consider travelling short distance. An additional driver needs to be covered fro an emergency situation and online option gives you the scope of availing insurance immediately. Hence, short term auto insurance covers you for a short period. If you wish to take your friend’s car, and still get protected, you can do so by availing auto loan one day insurance.

By: Kirthy Shetty

How Does Short-Term Car Insurance Work?

admin — Sat, 26 Dec 2009 02:51:52 +0000

If you’re shopping around for car insurance there are dozens of companies willing to offer you policies for 12 months or more. However, what if you only need a policy for a month, a week, or even just a few days?

There are many circumstances in which short-term car insurance may be a better solution than a long term policy. For example, what if you are hiring a car or borrowing a friend’s vehicle? How about if you are allowing a temporary driver such as an overseas visitor to use your motor vehicle? What if you are lending a car to a friend or relative or you have just bought a new car and need to be insured as soon as you drive it away from the dealership?

Thankfully several car insurance providers now offer short-term car insurance. The theory behind it is simple. If you need to add a friend or relative to your policy for a temporary period, there is no risk to your own no-claims bonus. Or you could set up a policy even if you just need to drive someone else’s car for as little as one day.

With a short-term policy there is less risk for the regular policyholder, instant cover is available and the procedure is generally a lot quicker than adding a named driver to a policy.

So what should you look out for when buying a short-term car insurance policy?

Well, most policies are available for 1-28 days, but you should check the length of the term available. Also make sure you can take out another policy at the end of the period should it be necessary.

If you want cheap short-term car insurance than it’s vital to have a good driving record – avoid accidents and convictions, and if you are hiring a car pick something conventional with a small engine.

By: Alex Gregory

Short Term Car Insurance – Makes Your Journey Safe!

admin — Fri, 04 Dec 2009 22:34:41 +0000

If you have been planning to drive away to a nearby place, you can avail short term car insurance. The cover allows you to keep yourself protected against any kind of risk situation. In case of an accident or a mis-happening, this kind of cover will come in handy.

A separate short-term car insurance policy allows you to cover additional drivers on your vehicle without putting the no-claims bonus on your main car insurance at risk. Short term auto insurance may be the apt one for you. You can also avail short term car insurance quote before availing one. If you wish to know why you may require need short term motor insurance, the read further.

You can insure your vehicle and allow other people to drive. This can also be done if you are planning to lend your car to another driver not listed on your existing insurance policy, a visitor, a friend or other family member in need. Many a times, the circumstances may be such that you may not be in a position to drive yourself. You may have to ask someone else to drive the car. Or, a situation may arise where you need to drive an additional vehicle for a short period of time. This can happen either due to your main vehicle getting repaired. Whatever your circumstance, short term daily cover can prove to be the ideal solution. This type of cover can provide coverage from 1-28 days available.

These kinds of covers are extremely useful if you are;

• test-driving a car
• borrowing a friend’s van

Short term policies can be the answer for people looking forward to avoid placing themselves on somebody else’s policy. The cover also allows you to add a friend or relative to your insurance short term for a temporary period. Alternately, you can also set up a policy even if you just need to drive someone else’s car for as little as one day. You can get the required details about this kind of cover by looking online. There are many websites that provide information regarding this type of cover.

Unlike yearly insurance coverage, this is a short term cover extending for a day or few weeks. This makes it very affordable for a car driver. You need not pay a huge amount of money on yearly premiums. This makes it very popular with car drivers. The cover can also be used if you wish to borrow a car from your friend. If you are contemplating to hire a car, you can still avail this kind of cover. You can choose from competitive daily insurance quotes.

By: Sadhna D

Is Short Term Car Insurance A Useful Product For Students

admin — Tue, 01 Dec 2009 20:37:02 +0000

Students home from college or university during holidays can create problems when they want to use a motor car to get about. Usually they are not independently mobile as a result of limited finances and the cost of insurance for younger drivers.

Their parents have usually committed significant financial resources to supporting them in higher education which, in most instances, does not leave enough to assist in the purchase and running costs of a car for the student. That can lead to a dilemma when the returning student asks for permission to borrow their parent’s car.

They must have proper insurance which entails the parents contacting their broker or insurer direct to carry out a mid term adjustment to their annual car insurance policy to include the student as a named driver.

That takes a lot of time and effort, not to mention the additional premium for the adjustment. The worse bit from a parent’s perspective is that any claim whilst the student is driving usually impacts on the parents no claims bonus, resulting in increased premium at annual renewal. Now you can see why it presents parents with problems.

Short term car insurance can, in certain circumstances, provide a solution to the parent’s dilemma. The basis of the temporary car insurance is you can take out separate short term cover for up to 28 days by completing an on line, simplified application and making payment for the period selected.

The process is through the internet searching against the companies URL or search terms such as short term car insurance or temporary car insurance. The day insurance certificate can be printed off at home and the policy is registered with the MID.

In addition, most short term car insurance providers offer uninsured loss recovery as part of the insurance and one company offers dayresQ which is daily roadside recovery. The most important feature of temporary insurance, from a parent’s perspective, is any claim under the policy does not affect the parent’s annual policy no claims discount.

The policy is separate car insurance in the name of the student. It is flexible and can be taken out as frequently as desired even just for the odd day every now and then.

It cannot be all good news can it? Unfortunately it is not, there are strict age restrictions on most policies with the youngest age that is eligible of 21 years of age. The driver must also have had their UK or EEC license for a minimum of 12 months. Clearly this would exclude a lot of returning students from being able to take out the insurance.

However, it does leave most students in their later university years eligible and that may not be such a bad thing as they are able to borrow the car with a little more maturity under their belt. After all would you trust your 19 year old student with the keys to your car, I know my parents did not trust me to drive safely at that tender “I’m bullet proof” age.

So in answer to the question posed by this article, short term car insurance is a great solution to the problem of returning students wanting to borrow the parents car to take all their mates to Glastonbury, provided they are over the age of 21 years.

However there will still be the need to undertake mid term adjustments on the parents annual car insurance policy to insure younger students under the age of 21 years. As they say, you cannot have it all.

By: Shaun Parker

Short Term Car Insurance – The Temporary Coverage For Your Car

admin — Wed, 25 Nov 2009 20:13:22 +0000

Have you ever found the need to add someone to your existing insurance policy for a few days? Have you had the need to borrow someone else’s car? In cases like this you need to have a short term car insurance to cover you or someone else as additional drivers on your vehicle for a few days. Doing so will not affect the no-claims bonus you are aiming for on your main car, therefore minimizing the risks. A short term insurance provides a quick coverage when you need it most and of course at a especially discounted price.

A short term car insurance is best for adding temporary drivers to your main car. It can be applied especially when you have visitors from overseas and you need to provide them with a car as a means of transportation. So therefore, short term car insurance also is great for adding temporary additional cars to your policy. It can also be beneficial for unaccompanied vehicle demonstrations or use of courtesy cars. If you will be needing to lend your car to a relative or a friend, you will also need to file for a short term car insurance. In many instances, most college kids who are returning home for term breaks requests their parents to grant them permission to drive their mom’s or dad’s cars around while on vacation. A short term car insurance can, in some circumstances, provide a solution to many parents’ dilemma of getting their teenage or college kids some form of insurance coverage while they are out driving their parents cars.

In the UK, availing of a short term car insurance is easy provided that you have a standard UK license. The insurance period most insurance companies provide will range from 1 to 28 days for short term insurance coverage. Secondary drivers however will need to be over 24 years of age to qualify for this type of insurance.

Short term car insurance also offers fast and easy payment schemes (online) to cater to your immediate needs. Since almost all insurance providers now have a 24 hour hotline, you can either call one of their agents or submit an application online to facilitate the quick granting of your temporary insurance.

Cancellation of the policy is easy as well. Most insurance providers just ask for a written cancellation request from the policy holder and the return of the motor receipt.After the documents are received then the cancellation will take effect. Refund procedures may vary depending on the policies of each insurance company .

By: Scott Nichols

Advantages of Short Term Car Insurance

admin — Sun, 22 Nov 2009 10:51:14 +0000

Recently, there has been a sharp increase in the cost of car insurance. This, coupled with the fact that many people are experiencing financial hardship, has led to a rise in the demand for more options when insuring our cars.

Subsequently, numerous companies now provide short-term car insurance as an alternative to an annual premium. Temporary cover has several advantages for some people and is, therefore, proving popular among many.

The Basics of Short Term Car Insurance

Short-term cover is a recent addition to the mainstream world of insurance. Many people still consider temporary cover as something obtained when borrowing a car from a friend or relative. However, more and more drivers are considering short term insurance as a way to cover their own vehicle.

Usually, short term car insurance can start from just a day and can be purchased for anything up to 28 days.

Obviously, customers should be aware that the cost per day of short-term cover is more expensive than the cost per day of an annual policy. Although, for customers who only require a limited period of cover, a short term policy could save hundreds.

Advantages of Temporary Cover

If you are considering short term car insurance, but you’re not sure if it’s right for you, here are some of the reasons it could be advantageous.

Many people choose temporary cover, because they rarely drive their car. In other words, if you have a job that requires you to be away from home for extended periods, you may find that insuring your car for the entire year is an unnecessary expense.

Another benefit of temporary cover is that it is very convenient. Typically, a short-term policy can be renewed quickly and simply at any time. This is obviously a huge advantage if your circumstances change and your policy requirements alter.

Furthermore, customers can purchase a short term car insurance policy from most insurance companies via the telephone or internet. Therefore, the process of buying a policy is not only quick, but it is also easy. Additionally, in most cases, after arranging purchase of the policy, you are insured to drive within minutes.

Additionally Considerations

Understandably, individual eligibility and cost will depend on your circumstances. Short term car insurance, like any policy, carries some provisos and young drivers, especially, may find it difficult to find an affordable policy. In addition, your eligibility for short term insurance may be at risk if you have any convictions for driving offenses or have made an insurance claim.

However, with numerous companies offering short-term cover, it is important for a potential customer to do some research and acquire quotes from several insurers to make certain that you are getting the best possible deal

By: Robert Linley

Temporary-Short Term Car Insurance

admin — Fri, 20 Nov 2009 01:27:03 +0000

The Short term car insurance generally refers to those that last between 1 and 28 days. But as per the needs this can be for a day, a week, a month, 6-months, or for as long as you need. It is an illegal process to drive the vehicle without insurance but on the contrary it is not so easy for everybody to have an annual insurance plan and to pay off a huge amount of money in the form of premium.

The trend of selling temporary car insurance came in to existence to counter this problem for saving money as well as obtaining car insurance simultaneously. It gives a peace of mind to the person as he or she does not bound to pay a hefty amount at a single stroke. This kind of insurance eliminates the worries like no claims bonus, resulting in increased premium at annual renewal.

Here are some features of the short term car insurance which set apart it from the traditional car insurance. The underlying advantages of the above mentioned insurance are:

1. With the help of the internet we can make it a very simple and less time taking process to opt the distinct insurance covers.

2. This helps at times when you are ending a vehicle to a friend or borrowing from someone and are anxious about having an accident.

3. Insurance itself means mental relax and so this type provides a hassle free insurance by minimizing the paper work.

4. It is extremely popular amongst students and visitors who want to borrow a car over their holiday period.

5. The policy starts quickly and gives you an immediate insurance cover.

6. If you want to sell off your old car or if you want to enjoy the test rides so here is the legal permission for the smooth sailing.

The inability to get a full fledged insurance cover due to the money matters has resulted in to a new dawn of insurance offerings. These are completely tailored as per the needs of the individual buyers and are really economical. The user can drastically reduce the premium amount by fixing up the period of use.

At this computer age everybody wants to rely upon the internet for quicker and better results and on the other hand wish to minimize paper work as well as wondering around the insurance company offices. So overseeing the above listed benefits we can say that temporary car insurance is a boon for every one possessing or driving a car.

By: Steve Beth

Short Term Car Insurance and Holidays

admin — Wed, 18 Nov 2009 05:36:35 +0000

There are many reasons why you may not be able to go on the holiday of your choice. Money gets in the way all too frequently, along with the logistics of the arrangements. What we mean by this is when you choose a particular type of holiday which involves driving, only to discover that the car is not up to it.

It is too old, unreliable, too small, cannot take the luggage, trailer, caravan or the family. Up until now your choices were limited to hiring another vehicle or borrowing a car and mid-term adjusting your annual insurance policy to cover it, or changing your plans altogether as the cost of hire or the nightmare of insurance mid-term adjustments were too much to cope with.

Is there an alternative to this? We think we may have stumbled on one, a new insurance product for motorists on the internet. It is short term car insurance which you purchase by the day for up to a maximum of 28 days at a time.

There are several companies which offer this type of insurance for cars or vans. You can locate their websites by either their URL or typing in keywords such as short term car insurance, day insurance and temporary car insurance.

They all offer an internet based booking process and payment, with the option to view and print the short term insurance policy on your printer. All policies issued are registered with the MID.

The advantage of this type of insurance is that you can choose the short term period to insure a car/van and it is a separate insurance policy that does not impact on the vehicle owner’s annual policy in the event of a claim.

You also get the benefit of an uninsured loss recovery policy, which is daily breakdown cover for the same period as the car insurance. That is particularly useful for holidays both in the UK and in the EEC.

If your plans require the use of another vehicle which you can borrow off friends or family, then you can insure the vehicle in it’s own right and this includes extended European cover for those driving holidays to France and beyond in the EEC.

It is particularly useful if you need a more reliable car or more space than you have in your own family transport. You can even tow a trailer or caravan if that forms part of your holiday plans. The insurance is generally fully comprehensive, although you would need to shop around to get fully comprehensive for driving abroad.

The insurance offerings vary, from company to company, on their acceptance criteria and the vehicles they will insure, but generally 12 months holding a UK or EEC driving licence with no fault claims within 3 years and less than 6 penalty points endorsements will enable an on line application to be made for cover.

If your trip is scheduled to last longer than 28 days you can take a further period of cover consecutively, thus providing continuous cover beyond 28 days.

What we liked about the products were their flexibility and the speed of obtaining cover. They are more expensive than an annual policy, but a lot cheaper than hiring a car for your holidays.

All in all there is a place for short term car insurance in your holiday driving plans which will allow you to use someone else’s car with the peace of mind knowing you have fully comprehensive cover, and that in the event of a claim it will not affect the annual insurance no claims discount.

By: Shaun Parker

Short Term Car Insurance – Can Students Use it Too?

admin — Sun, 08 Nov 2009 12:01:16 +0000

Anyone who drives a car requires proper insurance before doing so. Students usually cannot afford a car. Their parents have to pay for their education and this leaves no funds for another car. When students come home on vacation, they like to take their friends for a ride or a drink at some club. It could be anything but driving your parent’s car can pose problems. The parents will have insurance but the student will need one before he can drive the car.

An adjustment can be made in your insurance policy to include the student as well. It can be done but the process takes a lot of time and the student might be going back when he gets the green light to drive. It is also very expensive because you have to pay a premium to carry out the adjustment. Another option is a short term car insurance.

Short term car insurance can be availed by the student for any period at any time. The process is simple, fast and carried out online. Go to the website of the company providing short term insurance, complete the application, make the payment and print the certificate at home. Your insurance policy will be registered with the MID and you can drive your parent’s car. Short term insurance can be purchased for a period of 28 days maximum.

The biggest advantage of short term insurance is that any claims made under it do not affect the parent’s annual policy no claims discount. The insurance is in the student’s name and he can take it out any time that he wants.

However, short term insurance has one disadvantage. The student can avail it ONLY if he is at least 21 years old. Even parents do not let their children drive their car if they are younger than that. Apart from this, short term insurance is a very good option for students who are 21 or older.

By: Danny Carlson

Is Short-Term Car Insurance Right For You?

admin — Sat, 07 Nov 2009 23:52:51 +0000

Taking out car insurance on a year’s contract can be wasteful if you only need a policy for a few days a year. However, it is now possible to take out short-term car insurance which can give you the cover you want for just as long as you need it.

What is short-term car insurance?

Driving without insurance is a risky affair – the police have stepped up their efforts to clampdown on offending motorists by working in collaboration with the Association of British Insurers which has found that accidents involving drivers that are uninsured add around £40 a year to an honest motorist’s premiums.

That’s why it’s important to ensure you’re covered no matter how short the term may be that you need a vehicle for. However, most traditional policies need to be taken out for a year – which is why short-term cover was created.

With a short-term policy you can get cover for anything from one day to six months (periods vary depending on the insurer). As you’re only taking out insurance for a short period, it is comparatively low-cost.

Who is it right for?

There are many reasons why you may consider a short-term policy. Some of the most common include:

- Adding a named driver – Perhaps someone needs to use your car, such as a visiting friend or a child returning from university for the summer. Instead of adding them to a policy for the full year, you can take out a temporary policy.

- Car hire vehicles – You may need insurance to cover you while you use a car hire vehicle or a removal van, for example.

- Learner drivers – If the plan is for a teenager to buy their own vehicle as soon as they pass a driving test, then consider taking out short-term car insurance for their learning period so they don’t cause your car insurance premiums to rise substantially. Specific learner driver policies are available.

How can you get short-term car insurance?

Generally policies are defined as temporary (one-28 days) or monthly (one-six months). They are offered by a host of insurers in the UK so it’s well worth shopping around online before you buy.

By: Alex Gregory