Why Drivers May Require A Temporary Car Insurance Policy

Several automobile insurance policies are still sold for 12 months. However to meet the flexible driving needs of today’s drivers, short term auto insurance is available for much shorter periods.

Temp cover in most parts of the world is defined as a short term car insurance policy lasting from 24 hours to twenty eight days. However, now flexible insurance can be secured for between 1 to 8 months.

To add to this, rolling pay as you go monthly insurance is now available to drivers. This gives the benefit of not having to pay for insurance when it won’t be needed.

There are many scenarios where insurance for 1 day only may be appropriate. One is making sure you are adequately covered when using a friends motor. Although you may be able to drive another vehicle on your annual policy, securing an extra policy for this could protect any no claims bonus acquired. This could be advantageous for drivers who have not made a claim recently.

Another reason temp insurance is taken out is to provide cover for an additional driver so driving can be shared on a longer journey.

Insuring a foreign guest while they are visiting is popular reason. As is needing cover when buying a new auto either privately or from a dealer and needing to drive it home. Taking a test drive and requiring cover for 24 hours can be another eventuality.

Several drivers of vans will either be hiring or borrowing the vehicle. This is where 2 weeks car insurance can be appropriate, if you are using a van for a range of situations.

For bikers that are planning a summer road trip, cheap temp cover could be very useful. This may prove economical if they use a car most of the year and will only be using the motorbike while they are away.