Temporary and Short Term Car Insurance
car insurance policies can cover
everything—liability, comprehensive, collision, and even extra
coverage such as additional drivers, and rental vehicles.
Temporary Car insurance —insurance that issues cover for
anywhere from a single day up to twenty-eight days — and short
term car insurance — insurance that issues cover for anywhere
from one month to six months — is really very little different
long-term car insurance policy solution.
However, temporary and short term car insurance is much more
flexible than a regular insurance policy with high premiums
paid out every six months or on an annual basis. In face,
temporary and short term car insurance is kind of like
visiting a cafeteria. There are many food choices, but the
diner only eats what he or she wants.
For example, all car insurance policies carry the minimum
liability cover. With this type of policy, If you’re in an accident and it was your
fault, you’re at least responsible for the damage done to the
other vehicle or — in the worse case scenario—vehicles. You may
also be required to fork out the necessary cash if there were
any lost wages, medical costs, or pain and suffering
Liability does not cover any damage done to your own vehicle
or yourself. With a flexible temporary or short term car
insurance policy, you can opt for only liability coverage like
this if you wish but you usually do have further options.
Comprehensive insurance, of course, covers much more than just
the required minimum liability. Comprehensive insurance can
cover the cost of repairs to the vehicle you are driving. It
can protect against uninsured and underinsured motorists. It
can pay for the replacement and/or repairs if your vehicle has
been damaged in an accident, been the victim of vandalism, or
was stolen. Comprehensive also often (but not always; check
your policy details!) covers natural disasters
wreaking havoc upon your vehicle.
With a temporary or short term insurance policy, you can often pick
out the pieces and parts that you want to have within the realms
of the comprehensive policy. You can even cover additional
drivers. Or, you could exclude all of it and only worry about
Collision insurance is special in the fact that it pays for
the replacement or repairs of your vehicle that has had damage
due to an accident no matter whether it was your fault or
someone else’s fault. The neat addition that many people don’t
think about with regular collision insurance is that it also insures
vehicle collisions with trees or street lamps. With a
temporary or short term insurance policy, you can forget about
collision insurance altogether if you wish, or in some cases simply exclude the tree and
Temporary and Short Term
Car Insurance Driver Eligibility
One of the greatest aspects of temporary and short term
insurance policies is that you are easily able to insure
additional drivers to your personal vehicle.
Many times, drivers can find themselves in situations where
somebody else got into their car, drove it, and got into an
accident. That kind of situation can void your car insurance
policy. Obtaining temporary or short term car insurance can
not only easily solve this problem, but can also keep your own
personal driving record clean.
Temporary car insurance policies are available for just a
single day up to twenty-eight days—perfect if you have friends
or family staying for a while. Short term car insurance
policies can cover your vehicle of choice from a month to six
months, which is also perfect if you have friends or family
staying for an extended period of time.
However, you have to be careful when purchasing temporary or
short term car insurance because there are driver eligibility
requirements that must be met by all drivers of the car.
First, to obtain temporary or short term car insurance, you
must have a standard UK driving licence, or at leat have
had a driver’s license from any country for a minimum of just over
a year. With some companies a
driver with a licence from the United States, Canada, or
Australia are not eligible for temporary or short term car
insurance in the UK.
Secondly, watch your penalty points. Any more than six penalty
points and you can’t normally qualify for temporary or short term
Third, the vehicle to be insured must be worth at least
Lastly, if you are not twenty four or older, or you are not
younger than seventy-five, most companies will not cover you.
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insureshortterm.co.uk is a trading style of Prudent Plus Ltd of Booths Hall, Booths Park, Chelford Road Knutsford
Cheshire WA16 8GS.
Quotes are provided by Sky Insurance Services Group Limited
with whom we have a trading agreement only and who are
authorised and regulated by the Financial Conduct Authority
no. 469048. We receive from them a commission per
policy purchased; this will not affect the premium you pay
for your policy in any way.