Temporary Car Insurance

Temporary car insurance, also called short term car insurance, offers comprehensive short term cover cash cover against accidents or damage caused to the car or its driver on a short term basis. The period of coverage generally lasts from one day to 28 days.

The short term car insurance policy is designed for people who are either irregular drivers or are using another vehicle on a temporary basis.

Advantages of Temporary Car Insurance

A temporary car insurance policy:

• Offers both liability and comprehensive cash cover, depending on your requirement.
• This insurance policy is typically inexpensive.
• Eliminates the need to pay premium for the period you are not using the insured car.
• You can use the temporary breakdown coverage.

Circumstances When Temporary Car Insurance Is Needed

Temporary car insurance is useful in circumstances when:

• You are temporarily driving a car belonging to someone else (a friend, a relative or a car hiring agency). When you are using someone's car, you would be responsible for any accidental damages caused to the car. In such a circumstance, you can opt for a temporary car insurance policy to secure yourself for the time you have the car with you.
• You could be going on a long drive with a friend, where he may also be driving your car for a length of journey or for a short period of time. To ensure coverage for the time your friend is driving the car, you can get temporary car insurance.
• If you have hired a driver for your car, the most affordable and useful deal would be to get a temporary car insurance policy for the period s/he will be driving it.
• When you are taking a car on a test drive. This is so especially when you are not accompanied by a company driver.
• When you have just bought a car and are awaiting the standard insurance policy to get activated. Since a standard insurance policy requires time to get approved, the best way to ensure financial security during that intermediate period is to get the temporary car insurance policy.