If you will be borrowing or renting a vehicle to take a holiday by car, you can probably expect to pay outrageous insurance fees. Motorists in need of vehicle insurance for these situations now have a new option available online. Through this online alternative, you are able to purchase short term auto insurance for a period of time, from one day up to twenty eight days.
This temporary insurance is available for cars or vans through a variety of online companies. A keyword search using terms such as: day insurance, temporary car insurance, or short term car insurance, or simply typing in the company website address, will allow you to find their websites. The insurance can be prepared and paid for online, with the opportunity to print the policy right on your home printer.
While covered under this temporary insurance, a claim will not affect the annual policy of the vehicle owner, as this is a completely individual policy.
Coverage in the event that you should break down is also included with your short term auto insurance known as an uninsured loss recovery policy. Whether using this in the UK or in Europe, this benefit is especially advantageous.
You can extend your temporary coverage to include other borrowed automobiles, and be covered for travel to France or other locations in Europe.
If your own vehicle does not afford enough room for your holiday travel, this auto insurance option will come in quite handy. It is perfectly acceptable to add a trailer or caravan if need be. Be sure to investigate your insurance options thoroughly, for although these types of insurance are basically fully comprehensive, if your plans include driving abroad, the comprehensive coverage needs to be verified.
Most of these insurers will allow coverage if you have held a UK or European drivers license for at least twelve months, without claims of your fault for three years, and less than six points against your license. Each company is different, however, and the automobiles that they will insure, and their criteria for coverage will vary.
When your holiday plans include borrowing or renting a car, you can find comfort in the fact that the fully comprehensive coverage of your short term auto insurance, will protect your annual insurance no claims discount if you should happen to have a claim.
By: I T Jenkinson
Posts Tagged ‘Policy Coverage’
Reasons Why You Should Go For a Short Term Car Insurance Policy
November 18th, 2009
It is undeniable that there are a lot of different auto insurance companies today with various offers and packages that you will find useful and entertaining. Sadly, though, this large selection of different options does not necessarily mean easier picking out which policy to get.
However, with this low point in the economy, making a choice in what kind of insurance policy can be easier. Apart from the good coverage, people are now looking for those plans that are affordable, if not exactly cheap.
The problem here, however, is that getting a auto insurance that’s cheap depends largely to the plan holder. As you may already know by now, there are tons of different factors that affect the rates of your insurance quotes, so there’s really no way you can make sure that you’ll be getting a good and cheap policy.
But that’s old news. Again, with today’s numerous auto insurance companies, there are now more and more car insurance policies that are very, very friendly, even to the most thrifty pocket. One of these policies is the short term car insurance. Instead of the regular long term coverage, this kind of car insurance allows you to have a policy that will only cover you for short term basis, like daily or weekly.
Now, some might be wondering why you would need this short term coverage for. Well, if you’re not a regular driver, this might just be the perfect plan for you.
For example, people who do not own cars and only drive from time to time are some of the most perfect people to have this car insurance policy. As it would be highly unnecessary for them to have full blown policy coverage, but they would still need it occasionally and there’s no other person in the household that can list them down in their own policies, having short term car insurance would really be nice. It can help them save a lot and have them comply with local laws.
Your relatives and other visitors from abroad can also benefit from this type of auto insurance. A lot of auto insurance companies are now offering short term policies for foreigners and visitors who want to drive around the locality, so they wouldn’t exactly need to ask you to drive them around even when you’re busy anymore.
Apart from these reasons, there are still a lot of other benefits and reasons for getting this kind of policy. It may even be the best type for you while you haven’t made your mind up yet with what policy it is you want to get.
By: Jessica Cronin
Understanding Short Term Car Insurance
November 15th, 2009
You must have purchased a new car and are looking out for an insurance policy to protect from any kind of damages due to collision, vandalism, theft, fire, earthquake, glass breakage etc. Firstly understanding the various policies are important before you step out to buy one.
In case you want to drive some one else’s car or want to add a driver to your policy such as your son or your wife, you can take a temporary policy. You can get an instant cover, and it is often much easier than adding a person to your existing policy. You can make use of this policy, when your vehicle is under repair and you need an additional coverage for another vehicle. Thus, it allows multiple drivers to your vehicle. If you want to test drive a vehicle, you can simply call up an agent and get an instant cover for you. You must have a protective cover even for a day or two and not ignore it. This policy allows you to rent out a vehicle, insure another person’s vehicle when you are driving it for a short period.
It is advisable by the policy agents to opt for a short term policy if you have a car lying in the car shed for long. You don’t need to have a long term policy instead opt for pay as you drive. This will save you a great deal of money annually. Any one with a valid license can apply for a day’s cover or temporary cover.
- Rent out a vehicle
- Go for a test drive with an instant policy coverage
- Recently purchased vehicle
- Add multiple drivers to your own vehicle
- Shifting your house and your vehicle is used to move furnitures by some one else.
By: Arush Keerthi