Temporary Car Insurance

Advice On Using Temporary Car Insurance

Go Straight To The Recommendations for The Best Providers Of Temporary Car Insurance

Temporary Car Insurance Policies

If you own a car and are using it to drive to and from work every day, then a standard annual form of insurance plan is likely to be the obvious and best option for you. On the other hand, those who only use their vehicles occasionally or on an irregular basis may opt to have some form of temporary car insurance plan to save on premium costs.

What if you are travelling to a new city and you only need to have a car insurance plan for a couple of weeks or a month? This is where a temporary car insurance plan proves to be useful.

Temporary Car Insurance: The Basics

First, what exactly is a temporary car insurance plan? As the name implies, this is a non permanent type of a car insurance which lasts for a shorter period of time. Instead of the typical yearly contracts where you will be charged with costly premiums, a temporary car insurance plan can last anywhere from one to 28 days and some are even more flexible. You can even get pay as you go policies that only charge you for the driving you actually do. This is achieved by fitting a tracking device inside your car to monitor the driving that you actually do.

If you are driving a rental car or if you borrowed the car from a friend and you only need to drive it for a couple of days, a daily car insurance plan can be obtained so you would not have to pay a full month’s worth of premiums.

Those who need to use a car for one month, the maximum number of days allowed in the UK for daily car insurance plans is 28 days. You can either go for this, or settle for a weekly or monthly temporary car insurance policy. This is still a huge improvement as compared to paying for an entire year’s worth of premiums that you would not even get to use.

Next, what are the instances when it is more practical to obtain a temporary car insurance rather than the traditional policies? Here’s a quick list:

When you are buying a new car.

When moving abroad.

When visiting a new city or foreign country for business or leisure purposes.

When working away for long periods of time.

When looking for an insurance plan for cars that you only use during certain months of the year like summer, winter, etc.

When borrowing a friend’s car or letting someone else drive your car for you.

Getting The Best Temporary Car Insurance Deals

Since car insurance companies do not necessarily profit much from temporary car insurance, there are a good number of them which do not even offer these plans. Given the fact that it is quite difficult to look for car insurance providers who offer short term or temporary car insurance policies to cover you for a day, a month, or less than a year, what are the things that you need to keep in mind when shopping for one?

Take a look at the following suggestions:

Determine the maximum number of days that you will be requiring car insurance coverage, and base the policy that you will get from there.
If you are travelling to a foreign country or a new city, what is the maximum number of days that you will be staying? If you know that you would need temporary car insurance coverage for at least a month, look for monthly car insurance policies. For this, the maximum number of days covered is 28. There are also daily and weekly car insurance plans that you can opt for, depending on how long you would need the policy to last.

Go online and look for UK companies which specialize in offering temporary car insurance plans.
When looking for temporary car insurance plans, you naturally want to get the best value for your money. To achieve just that, what you can do is compare the rates and consider the periods which range from one day up to six months. Check on the features and extras which are normally offered only in annual policies; the more features, the better.