Short Term Car Insurance – The Choice for A Short Term Hired Car Requirement

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. There may be circumstances when you need short term car insurance, like occasions when your car has gone to the garage and you need to borrow your friend’s car to go to an important meeting out of town. 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.

Normally all short term policies are comprehensive and are available from the insurance companies at very short notice too. Moreover, a temporary car insurance policy does not disturb the no-claim bonus benefits available on 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 of the major insurance companies provide added benefits to temporary auto insurance policy holders like temporary break down cover, uninsured loss recovery and cover 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.