What Are The Advantages Of Short Term Car Insurance?
Even though car insurance remains affordable for most people
, the cost of cover has been climbing steadily, and as a result, more and more motorists are finding it increasingly difficult to cope.For example, many parents would include the names of their kids on their car insurance policy in the past, even if their kids only used their car once or twice each year, but lately more and more parents are opting for temporary cover instead. In other words, they simply add their kids to the policy as and when required.
Short Term Car Insurance to the Rescue:
By comparison to regular car insurance, this is still a relatively new concept, and one which millions of people are finding to be extremely helpful. Basically, temporary insurance makes it possible for you to take out cover lasting from 1 to 28 days, depending on your needs. For example, if your eldest son wants to borrow your car for a few days so that he and his mates can go away on a trip, you can have his name added to your existing policy just when they're about to leave, and then have it removed again once they return. As you can well imagine, doing it this way is going to cost you far less than it would if your son's name was included in your policy permanently.
Many people have jobs which require them to spend a great deal of time away from home, such as some offshore workers for example. Many of these guys are only home for a few days every other month, so for them, it's a waste of money paying for yearly cover when they in fact don't need it. Instead, they could simply take out short term car insurance as and when required, and while day rates certainly do cost more, they can save a huge amount of money over a period of a year.
Another great thing about this type of cover is that you can renew it and cancel it as you see fit, and because practically all insurance providers now have fully functioning websites, everything can usually be done online with a few clicks of your mouse. If you don't have a computer available, you'll also be able to take care of matters over the phone, and in most cases you'll find that the service is available 24 hours a day. If you arrive back in the middle of the night, a quick phone is all it takes, and you'll then be able to get back behind the wheel. A few days later when you're about to leave again, a phone call to your insurance company will see the policy cancelled.
Possible Problems Which You May Encounter:
If you're under the age of 24, you may not be able to acquire temporary cover, and the same applies if you've had a spate of convictions during the last three to five years. Lastly, you may find the cost of short term car insurance to be quite high, so it really does depend on how often you intend using it, and the average length of time you use it when you do.
While there certainly are some disadvantages, short term car insurance can come in very handy at times, but before you decide to go this route, first sit down and consider all your options.
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