You may have heard of temporary vehicle insurance and wondered why anyone would need it. In reality, temporary insurance is much more useful than most of us realise. You may have even missed out on its benefits before because you didn’t know about it. Here are a few reasons why you might want or need temporary insurance. We’ll also explain when a short-term car insurance policy can be a valid alternative to the traditional 12-month auto insurance policy.
You Just Bought a New Car
Temporary insurance allows you to get insurance for your new vehicle so that you’re legally allowed to drive it. However, you’re not locked into a long-term plan with a given insurance company. You have the time to find a better deal for long-term car insurance. This is called drive-away insurance. In fact, you can even take out temporary car insurance before you test drive cars you’re interested in so that you have coverage when you choose to buy one. Note that you’re legally required to have auto insurance, even if you’re test-driving a car before you buy it.
You Are an Infrequent Driver
You can get temporary insurance for a month, a week, a day, or even a few hours. A few companies even insure you for up to three months. Temporary auto insurance is an affordable option if you want to be able to drive a car to move but otherwise don’t drive. You could even get temporary van insurance to cover a moving van and its contents.
With a short-term car insurance policy, you can enjoy the peace of mind that you’re insured to drive whenever you decide to get behind the wheel. The policy can cover you for up to a month, and you can arrange cover up to 28 days in advance. This allows you to potentially share the wheel when you’re on a road trip with friends but otherwise rarely drive.
Emergency cover can provide auto insurance when you need immediate access to a car. You can even get temporary insurance for just an hour. That’s long enough to let you legally borrow someone’s car or take a hired car home.
If you want to get the best offers possible on temporary insurance, you can get deals on temporary car insurance at Quotezone. They allow you to compare temporary auto insurance policies and choose the right one for you. You can buy the policies straight from their website, and it will be available in as little as 90 seconds.
You Don’t Own a Car but Will Be Driving while Traveling
Drivers are legally required to have auto insurance. If you’re going to be driving while on holiday or staying with others who let you borrow their car, temporary insurance can cover you for that short time frame. That’s much cheaper than signing up for a one-year policy though you only drive your parents’ car when home on holiday, for example. If you’re travelling, you could extend the temporary vehicle cover by paying for European and breakdown cover.
The only exception to this is if you have a provisional license. You can’t get temporary coverage with a provisional license, only a full license, though you could take out a learner driver insurance policy. Temporary auto insurance policies are an option if you have had a valid full United Kingdom driver’s license for at least six months and are aged between 17 and 78.
Temporary insurance should be seen as a convenient option for new drivers and occasional drivers who don’t want to sign up for a long-term policy. Compare levels of cover and timeframes so that you find the policy that is right for you.