Temporary car insurance offers complete but short-term cash cover to a policyholder against accidents or damages caused to the insured car or its driver. The coverage period generally lasts up to 28 days.
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.
CircumstancesWhen 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.
