Tuesday, March 3, 2009

Short Term Car Insurance: Stuff You May Not Have Grasped

Posted on/at 5:09 AM by Wanto

By Chimezirim Odimba

Short term car insurance is the type of insurance that one typically only needs for a period of 1 to 28 days. You may want short term car insurance for an assortment of reasons. For example, maybe you are going for a long trip in a car, but you are going to switch back and forth between drivers, and need temporary insurance.

Maybe, there is nobody else that can drive with you and you just need temporary insurance for the travel period. If you are loaning your car to someone for a little while then you would need temporary insurance. Multiple reasons might be offered for needing short term car insurance instead of long term insurance.

For these instances, you will absolutely want to opt for short term car insurance. Short term car insurance can save a lot of money, mainly when you don't want to shell out cash for a whole but require the insurance for one to 28 days.

When you apply for short term car insurance, you can either do so online or offline, depending upon the company you choose to go with. To save on time, numerous insurance agencies now accept both applications as well as payments online. The coverage will likely be suitable for either a van or a car, and will also likely cover any drivers you need to be covered.

The insurance policy will be in force immediately. Also, many insurance agencies might only charge a standard fee no matter what the existing driving history of any driver is. Short term car insurance can also consist of a range of extras, like repair service.

It is essential to verify the company and ensure they present the finest price for the greatest coverage. Possibly you are test-driving an automobile, borrowing a car from a friend, lending your car to someone else or teaching someone to drive.

In these occasions the market is not as aggressive. Even if your requests are urgent and you want to get a car insurance estimate fast, numerous insurers are only attracted to long-term assurance. In other words, you're more hassle than you're worth. Short-term car insurance has numerous rewards. Your no-claims reduction on your standard car insurance will be protected by a separate provisional plan.

If you were letting your student child borrow your vehicle for a period and they are involved in an accident, this would likely negate your no-claims extras. With a separate short-term policy however, you get the pay-out you need without losing your savings.

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