Many insurers are now offering short term or temporary car insurance for periods from 1-28 days. As people become increasingly more mobile, and holidays in destinations in the UK are becoming more popular due to the recession, short term insurance is an ideal way for people to share the driving when travelling long distances. You have complete freedom to select how long you want the insurance to last for, and because many insurers are now offering it, there is a lot of competition within the market.
A lot of the short term car insurance polices available won’t impact on the car insurance no claims discount on your main car policy and are quick and easy to arrange. Most companies advertise that they will be in place within minutes. This is invaluable for situations such as when a driver may have fallen ill and you need to take over the driving or when you decide at short notice to take a trip. Another popular reason why people take out short term car insurance is because their son or daughter comes back from University and needs to use the family car.
By using a short term car insurance policy, costs are kept down because you are only paying for the length of insurance you actually need. In addition, short term car insurance can be utilised effectively for situations such as test driving a new vehicle or taking your car to an auction. Temporary car insurance policies can even be setup especially for learner drivers so that they get as much practice as possible before taking their test and without jeopardising a no claims policy or at the expense of being added to a standard motor insurance policy.
One thing to note is that most short term policies commonly have age restrictions in place such as for over 21’s and under 75’s. However, there are slightly longer policies that are still short term where ages from 17 to 90 would be considered. The minimum time of these insurance policies is typically 1 month. Both types of policy can be arranged on both a fully comprehensive and third party basis.
Short term car insurance policies are also very convenient for business purposes. In many circumstances, employees may need to travel by other means to a destination (i.e., by plane). Therefore, when they get to their destination, they hire a car and need to be insured on it for a short period of time (usually approx 2-3 days). Short term car insurance policies commonly offer an upgrade to provide fully comprehensive cover when driving in Europe as well as temporary breakdown cover.
As with any insurance product it is essential to make sure that you find a good deal. The best way to ensure that you are getting the best deal on your short term car insurance quote is by using a quote generation website such as TrackCompare.co.uk. This can literally save hours of time that would have otherwise been spent finding and contacting companies directly.
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