Auto Insurance Term » Few Days

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 – Suitable For Short Distance Travelling!

admin — Fri, 18 Dec 2009 21:50:43 +0000

There are times when you may need a car for a short period of time. You may need the car for short distance travelling. It is advisable to opt for short term car insurance in such circumstances. Opting for this kind of insurance is a good choice as it helps you get the required coverage in case of any untoward incidents while travelling. In case, you meet with an injury while travelling, you can get covered against the same. There are many short term car insurance experts who can help get suitable cover.

Not many people opt for this kind of coverage. Some feel, it involves huge expenses and takes a long time. This is not true. There are many advantages of opting for this kind of insurance. It keeps you protected against any kind of injury suffered while travelling. Approaching short term car insurance specialists can help get as much cover as you desire. Short term cover offers many benefits. You need not worry and run around in the last minute in case you meet with an accident while travelling.

You can also get car insurance for a period ranging from just 1 day up to 6 months too. The process of seeking car insurance is not only simple, but also offers exceptionally good value for money.

Temporary car insurance quote allows you to choose from a wide variety of car insurance policies. If you need to insure a car for short term duration, you can seek professional help. The policy holds true in case you borrow a friend’s car for a few days or to share the driving on a long trip. Short term insurance companies can help you get insurance cover at a favourable deal.

There are numerous benefits of temporary car insurance:

• It offers insurance for temporary additional drivers or vehicles
• It can provide cover for hiring a car or lending yours to a friend, relative or colleague.
• You can get competitive daily rates and damage excesses.

The policy holds true even in cases when you borrow your friend’s car. This kind of insurance is fast catching up with people due to the multitude of benefits it offers. The insurance period can be anything from 1 day upwards. Moreover, it can also be renewed at any time. This policy is also suitable for those who are working away from home for long period and are not using their car. Going in for full year insurance may not be a good idea.

By: Sadhna D

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

The Benefits of Short Term Car Insurance

admin — Wed, 25 Nov 2009 12:58:04 +0000

With the drastic rise in insurance premiums and most families struggling to make ends meet, there has been an increased interest in short term car insurance. Temporary cover is now more readily available from most insurance companies and can be very beneficial for some car owners.

What is Short Term Car Insurance?

Temporary cover is still a relatively new way to insure your car. In the not too distant past, short-term cover was only used by those borrowing a friend’s or relative’s car for a brief period. Now, however, short term insurance is being used for much broader reasons.

Typically, temporary, or short term, car insurance allows a policy holder to insure his, or her, car for as little as one day and often up to twenty-eight days.

Of course, the cost of short term policy is much more expensive than an annual policy when calculating price per day. However, if you only need to insure a vehicle for a few days, a week or a month, short term cover is by far the cheapest way to purchase insurance.

Benefits of Temporary Cover

You may be wondering what benefits short-term car insurance has for you. Well, whether or not temporary cover is a wise move financially will very much depend on your circumstances.

For example, if you are one of the numerous people that predominantly work away from home, you may find that you very rarely use your own vehicle. In this instance, short term car insurance ensures that you only pay for the periods that your car is in use.

Another great advantage for temporary customers is that the policy can be renewed at any point, making life much simpler for those who choose to insure their car with this method.

In addition, many companies provide customers with the opportunity to purchase short-term car insurance over the phone or via the internet. This means that cover can be provided in a few minutes and you are insured to drive your car the very same day.

Things to Consider

When buying any insurance policy there are certain factor that will affect the cost of your premium and short term cover is no exception to the rule. You will find that young drivers may experience difficulty gaining temporary insurance, alternatively the policy is likely to be more expensive. Additionally, any driving convictions or previous insurance claims may affect your eligibility for short-term insurance.

Therefore, to ensure that you are getting the best possible price, it is advisable to shop around. Remember, as temporary insurance is becoming mainstream, more and more companies are providing the service, so a great deal can be found out there.

By: Robert Linley

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