You may not know this, but you don’t always need to pay for a full car insurance policy. If you only want to use your vehicle on occasion, taking out a short-term car insurance policy may well be the better option.
There are various different advantages of temporary cover, so let’s quickly consider 5 of these now.
Naturally, taking out short-term car insurance is going to be more convenient for any driver who doesn’t use their vehicle very often. If you only drive your vehicle on occasion, there is absolutely no need for you to go and pay for a full policy that covers you for an entire year, or even six months.
With short-term car insurance, you can take out cover on a car for as little as a day or (in some cases) as much as 28 days. And as most insurance firms are able to provide you with a policy online or over the phone, you can get out on the road in no time at all.
One of the best advantages of this type of insurance is that you will almost certainly save money. Paying for an entire policy for a year will cost you hundreds of pounds. However, if you only actually drive your car a dozen times, you’ll be wasting a great deal of money. As a result, purchasing short-term insurance will allow you to make significant savings through the year.
3. Pay as you go
As mentioned, you only need to pay for the insurance when you require it, so you can be very specific with your policy. If you plan on going on a road trip for one week, for example, you can cover yourself for this period.
Similarly, if your child is coming back from university for three weeks, and they want to use the car, purchase a policy to cover them for those three weeks only. Only paying for what you need is hugely beneficial and cost-effective.
4. Easy to buy
Getting your hands on a short-term car insurance policy is extremely simple, as you can purchase a policy at any time, day or night, and their coverage will kick in immediately.
In addition, there are various websites that will help you to compare and contrast the different policies available. This means that you can get a policy that is tailored for your personal needs.
Furthermore, there are online help forums that are full of potential insurance customers with similar questions to you. These forums provide a golden opportunity for prospective buyers to share their concerns and questions with other potential customers.
5. Can offer protection
Adding another driver onto your own long-term policy will put your no claims bonus at risk. If you add a driver to your policy, and then they have an accident, you will lose your no claims bonus.
But if you simply purchase a separate short-term car insurance policy for them, this will keep your own personal policy, and your no claims bonus, safe. As such, this form of temporary cover can act as a protective measure to ensure that your own clean driving record is kept that way.