Short Term Car Insurance - When Temporary Cover Is All You Need
You've probably often been in a situation where you would have found it convenient
if you could have had one or more additional drivers added to your insurance policy for a few days. Perhaps you had friends or family visiting from abroad, and it would have been nice if you could have let them use your car, or at least one of them, rather than having your visitors rely on car hire companies.Alternatively, you yourself may have wanted to borrow a car from one of your mates, but you couldn't because of the insurance issue. Well, the good news is that you can get around these obstacles simply by taking advantage of short term car insurance.
This type of cover allows you to include others on your existing policy on a temporary basis. Also, if you do this, any no-claims bonus you've been working towards won't be affected, so it really is quite an ideal solution if you want to allow others to drive your car for a limited period of time. Not only is it a quick-fix solution, but it's also a cost effective one.
Generally speaking, short term car insurance can be used for periods of 1 to 28 days, so the next time your kids start sweet talking you into allowing them to use you car, you'll no what to do. Simply sit down in front of your computer and visit the website of your current provider. Providing you have your credit card details with you, you'll be able to get your kid's name added to your policy within minutes.
In fact, you can send them off to make you a cup of coffee, and by the time they're done, they be legally entitled to drive your car, and of course you'll also feel better knowing that you've done everything by the book. If you kids trashes the car, your insurance company will be there to pick up the bill. If your kid smashes into someone else's car, you won't have anything to worry about, apart from the well-being of your child and the well-being of any other who were involved in the collision.
Also, you know what youngsters are like, so you probably know there's a good chance they'll leave the car parked unattended at night while they go off to paint the town red. If it were you or I, we would at least choose a well lit area which is reasonably busy, but kids don't always think that way. If your phone wakes you up at two in the morning, and it's you kid phoning to tell you he no longer has a set of wheels because your car has done a vanishing trick, you'll no doubt spring out of bed, and you'll probably be furious, but at least you'll have peace of mind in knowing your insurance company has your back covered.
Short term car insurance is incredibly easy to acquire, providing everyone concerned has a valid UK driver's license. With that said, if you're going to take out temporary cover for your child, they will have to be at least 24 years old in most cases.
Terminating the cover is also no problem at all. Once your kid returns your car you can just call up your provider and they instruct you on how to cancel the agreement. Most insurance companies will require a written request although there are some who provide this feature online as well.
All things considered, short term car insurance can really be a huge blessing in many circumstances.
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