Why Would You Need Temporary Vehicle Insurance?
Standard vehicle insurance policy runs for 12 months and afterwards you choose whether to renew it or switch to another provider. But, what if someone doesn’t need a whole year’s cover? Sometimes you just need to borrow or lend a car on a one-off basis, but you won’t be covered to do that. You probably think it would be insane to buy an annual insurance policy for using a van just for moving to another house, yet you know you have to be covered even then. That’s where temporary insurance comes in really handy!
Temporary vehicle insurance policy commonly offers short-term cover from 1 to 28 days, but some short-term policies insure drivers for up to 90 days. Obviously, these policies are an affordable option for anything from borrowing a car for a weekend trip to van insurance for one day for moving your house. Are you planning a long road trip and you want to share the driving on it? A temporary car insurance means you can add a driver for a short period on time without paying annual price for it.
It’s a great alternative to hiring a vehicle, if, of course, you have someone who wants to lend you theirs. Annual policies are better choice for someone driving a car year-round, but if one of your vehicles is in the garage most of the time, it’s more recommended to get a short-time policy once you need it.
When driving a new car home, a temporary insurance policy comes in handy, too. Although most dealers who sell new cars include some type of short-term car insurance policy, but when purchasing a used vehicle, it’s necessary to arrange insurance cover yourself. Buying a temporary insurance in this situation enables you to drive your new vehicle safely home, plus you’ll be able to use it for shopping around for the best annual policy.
Finally, a short-term vehicle insurance can be purchased immediately and cover starts straight away, without long forms to fill in. It takes only couple of minutes to buy and print your certificate of insurance.