Is cover available
for European travel?
Most of the short-term
insurance companies include European cover as standard, but
this cover is usually limited to third party only which is the
absolute minimum legal requirement. There is, however, usually
an option to increase this cover to fully comprehensive in
exchange for an increased premium.
Is third party cover
You can get cover for
both third-party liabilities and comprehensive cover.
Can I use short term
insurance to tax a car?
Yes, if you pick the
right company to cover you. Some of them do not allow their
policies to be used for taxing cars because they feel that it
encourages people to drive without insurance, which is a very
risky thing to do in more ways than one. Some companies
however will send you a proper cover note through the post for
a small extra charge, usually just a couple of pounds or so,
which you can use for taxing a car. Downloaded documents are
not acceptable for this purpose so if you do intend to tax a
vehicle make sure that you arrange your insurance several days
before the tax is due to give time for the posted cover note
How quickly can I
legally drive a car once the insurance has been arranged?
The whole process only
takes a few minutes; you fill in the short proposal form, pay
by credit card and you are covered from that moment onwards
which means that you can legally drive the insured vehicle
straight away. If you wish to have documentary proof you can
download the cover details to your own computer and print them
Would I be entitled
to a no claims discount?
No, such a short period
of cover does not accrue any no claims discount.
If I had an accident
whilst insured short term, would I lose my no claims bonus on
my main yearly policy?
No. You should however
inform your insurer that you have had an accident so that this
can be taken into consideration when your next policy premium
is calculated; failure to do so could invalidate your cover!
If I book 28 days
cover but find that I only need it for seven days, will I get
a refund for the unexpired portion?
No. This type of policy
is so inexpensive because it it is designed to be bought
online in the simplest possible way. Refunding a policy takes
human intervention which costs money, so most companies
stipulate that there will be no refund for any unexpired
portion once the policy had been purchased.
And finally .......
It is always essential
to bear in mind, whenever you are buying insurance, that every
single policy is different and it is absolutely vital that you
check all the terms and conditions to make sure that what you
think you are insured for is what you actually are
covered for! One of the biggest bones of contention between
insurance companies and their clients is claim refusal; you
can be practically certain of eliminating this problem by
making sure that you understand thoroughly just what is
included in your policy and what isn't.