If you are looking for car insurance, and need it without the hassles of an annual quote, temporary car insurance is just right for you. What do you mean by temporary car insurance and what should you look out for when you are opting for it?
Temporary insurance defined
Temporary car insurance is a type of short term car insurance. It ensures cover for a period of 1 to 28 days.
You can use the temporary cover for a variety of purposes. For instance, if you were driving a new car home, and cannot go for auto insurance yet, temporary car insurance would be just the thing for you.
What are the advantages of temporary car insurance?
• Well, firstly, you get instant cover for any vehicle. You can receive an instant online quote from any of the sites and buy a policy.
• In case of a repair, and need for additional covers for a car just now, temporary car insurance is exactly what you need.
• You can even get additional covers for multiple drivers. So, if your friend or relative asks you for your car, insurance will not come in the way of lending it to him!
• This is a way by which you can claim a no claims discount on your present policy also. Temporary car insurance on an additional car will not make a dent in your existing policy, even if you do make a claim.
Covers on offer under temporary car insurance
There are a number of cover options. You can choose any of these depending on your conditions. For instance, you go for a cover when you are
• Test driving a new car
• Driving a new car home
• Renting a car from a rental company
• Insure yourself while travelling by someone else’s car
• Insure yourself while travelling on another persons’ car
What is the eligibility for temporary car insurance?
Anyone with an effective driving license for at least a year is eligible for temporary car insurance.
There are other preconditions which may vary. Some providers may insist on you having a certain amount of points on your driving license and not being disqualified in the last few years. There may also be a minimum value clause for the car you are insuring. You may also have to agree to a maximum amount that the provider will pay you in case of damage.
How to pay less for your temporary car insurance
• Cash in on any no claims discounts you may have received elsewhere. This will prove that you are less of a risk, and therefore help you in paying lower premiums.
• A clean driving record always helps you get better coverage terms
• Take care of the security of the vehicle. More security results in lower premiums
• Comparison in rates is a must while buying temporary car insurance. An insurance provider with a reputation is always better than a dubious car rental service.