Temporary car insurance is ideal for those in a situation which has arisen where short term cover is required. As opposed to taking out a standard insurance policy which covers the driver for a year, a temporary policy can be issued covering the requested driver for a period as short as 24 hours and then, usually, up to a period of 28 days.
Premiums for temporary car insurance tend to be more expensive pro-rata compared to a long term policy; however the convenience of the duration is an obvious advantage. There may be many situations where this insurance may be of use. For example if your car has broken down and you need to borrow a family member car to get to work for the day or simply if you are moving house and need a vehicle to move your belongings.
Temporary (or ‘Temp’) Car Insurance is also often referred to as ‘Short Term’ or ‘1 to 28 day’ car insurance. Though the duration of the cover is cut down from standard policies, the level of cover usually includes the same features. For example the same level of excess is applied, breakdown and personal belonging cover is often included too.
If looking for temporary car insurance ensure that the benefits are comparable to that of a standard policy. To offer cover on a short term basis, some insurance companies also require certain criteria for eligibility. This could range from a minimum and maximum age of 23 – 70 years for example or a maximum vehicle size or number of seats.
The convenience and speed at which temporary insurance policies are awarded has meant that short term car insurance has become big business for insurers. Because these policies are in high demand there is a large amount of competition between insurers so it is always recommended to research for the best option for your needs.
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