Short Term Car Insurance - Cover When You Need It Most
While practically everyone in the UK knows they cannot drive without insurance
, not everyone has heard of temporary insurance. Others may have heard of it, but they fail to see why or how they could ever benefit from it. Basically, temporary cover can last for up to twenty eight days, and because of this, it can really come in useful at times.For example, let's say you and your family would like to hire a motor home and then tour around the country for a fortnight. You current insurance policy wouldn't be any good to you, but of course you could then simply apply fort short term car insurance relating to the vehicle you intend driving.
Perhaps your own vehicle was damaged in an accident and is now in the garage awaiting repairs? Once again, temporary cover can come to your rescue, it that you'll be able to drive a different vehicle for at least 28 days. If you intend using a friend's car for a few days, you could once again go down this road, and if your friend ever needs to borrow your car, they could do the self same thing.
One of the greatest things about short term car insurance is that it's almost always fully comprehensive cover, which really does me it gives you complete peace of mind in knowing that you're fully covered should you be involved in an accident, or should the car get stolen. Temporary cover also won't have any negative impact on your no-claims history.
In other words, if your son applies for temporary insurance to drive your car and he has an accident, you won't be penalised for it. Likewise, if you take out short term insurance to drive a vehicle other than your own, and you crash it, you won't loose your no-claim bonus that's tied to your regular insurance policy.
Another attractive feature of short term cover is that is available on short notice. In fact, the insurance kicks in almost immediately once you make the application. This can really be a blessing if you wish to test drive a car before purchasing it. It can also keep you safe from the law when you go and purchase a car because even though it may sound unfair or unreasonable, you cannot even drive a car from the showroom to your home unless you've got insurance in place.
Even if the showroom is only a mile down the road, if you drive a car from there to your home without having insurance, you run the risk of receiving a hefty fine, as well as a few points on your license. If the police stop you, they won't even bother listening to excuses, but instead, they'll simply tell you that the law is the law, and everyone has to abide by it.
Of course if you only intend using the vehicle for two or three days, there's no reason to pay for 28 days worth of cover. Instead, the minute you no longer require the short term car insurance, you can simply phone the insurance company in order to let them know you wish to have the policy cancelled.
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