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 ‘Types Of Insurance’
Affordable Auto Insurance
December 14th, 2009
Automobile is an untiring assistant of man. It is not too difficult to find affordable term auto Insurance.
There is so much competition between insurance companies to keep down rates that almost all car insurance payments are affordable for most buyers of Auto insurance.
The thing that one must need to pay attention is the Auto Insurance Company you deal with.
Nowadays there are numerous websites offering instant auto insurance quote comparison services helping to compare the same service provided by different auto insurance companies to find out the best one most suited to you.
In most cases services on auto insurance are provided on the basis of individual approach and flexible discount system. So it can help you get a better auto insurance when you know what type of discounts may be available to you auto insurance companies online.
What may be insured:
Vehicles –
All types of motorcars and trucks,
Special machinery on their basis,
Minibuses and buses,
Road building and agricultural machines,
Supplementary equipment of the vehicle according to the “Auto Casco” terms (auto frame insurance);
Civil liability of the vehicle owner (the obligatory and the voluntary types of insurance);
Life and health of the driver and passengers.
What issue may be covered by the insurance?
Insurance “Auto Casco” terms (auto frame insurance);
“Damage”, related to the deterioration or deprivation of the vehicles or of the components resulting from:
Road accident
Fire or explosion
Natural disasters
Illegal actions of the third parties
“Theft”, related to the deprivation of the vehicle resulting from:
Hidden theft of a vehicle by means of larceny
Open theft of a vehicle by means of robbery or hijacking
Examples of payments to be performed:
On agreement with the insurance and according to the insurance provisions, the damages, caused by determination or deprivation of the vehicle in case of insured events, can be indemnified by means of:
Payment of the insurance money to allow for the actual cost of renewal of the damaged vehicle.
Renewal of the damaged vehicle at the car service station, which has a correspondent contract with the insurer.
Payment of the insurance money considering the wearing of replacement parts.
By: Gregory Mamnya