We all know that car insurance is necessary while we have a car, but did you ever hear of short term car insurance? This is generally also known as temporary insurance cover is an insurance policy that exists for a short period, about one month – 28 days to be precise. At times, you may need to use someone else’s car, such as when you have given your car to the garage for servicing and you need to travel out of town for an important, unavoidable meeting—at such times you would require a short term car insurance cover. You may even be planning a vacation with your family and would like to hire a motor van to move about; short term car insurance comes in very handy at such times. Look at it from the other angle too – your friend may need to borrow your car for a few days, you can suggest that he gets covered with short term car insurance.

Usually, all policies offered for a short period are all-inclusive and are available without the need for any application in advance. What’s more, if you file a claim on your temporary car insurance policy, you are still eligible for the no-claim bonus benefits on your normal car insurance. So even if your car is having a normal comprehensive car insurance policy, your friend who would like to borrow your car can still apply for a temporary car insurance coverage for a few days. Take for example a situation where you decide to go on a vacation to one of the picturesque sea resorts and hire a car during the tenure of your stay in order to move around comfortably in the nearby areas. You can just call up the nearest insurance provider who would be willing to provide you with short termed auto insurance on the vehicle that you took on hire.

Some insurance companies provide additional benefits to the holders of their temporary auto insurance policies, such as break down cover and uninsured loss recovery valid throughout the country, even if you happen to travel a short distance.

Students and new would-be car owners are well advised to opt for a short term car insurance if they are contemplating a purchase of a new car, since that would be required if the prospective owner would like to have a test drive of the car to finally decide which car to go in for.

Filed Under Car insurance
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