Many car insurance policies are still sold on an annual basis. However to match the flexible driving needs of many of today’s drivers, temp insurance is now available for much shorter periods of time.
A widely accepted definition of temp vehicle insurance is short term insurance lasting from a minimum of one day to one month. However, now flexible insurance can be secured for between one to eight months.
To add to this, rolling pay as you go monthly insurance is now available to drivers. This gives the option to switch insurance on and off for times when they know it will not be required.
There are numerous scenarios where 28 day car insurance may be convenient. One of the most popular is making sure you are protected when borrowing a friends vehicle. Securing an extra policy for this could protect a no claims bonus built up if no claim has been made for a while. This could therefore be an economical option for careful drivers.
Another reason temp cover is taken out is to provide protection for a driver sharing the driving on a longer journey.
Insuring an overseas visitor while they are here to drive is another popular reason. As is needing short term cover when taking a newly purchased vehicle home. Taking a test drive and requiring cover for a day or weekend can be another reason.
Many drivers of vans will either be hiring or borrowing the vehicle. This can be where car insurance for 3 weeks is required, when you are borrowing a van for differing situations.
For riders that are planning a summer road trip, 30 days car insurance could be convenient. This may prove cost effective if they will only be riding while they are away and usually drive their car when at home.
Most car cover is still for one year in duration. Although this meets the needs of several drivers, some have more unusual requirements and now flexible insurance is available for much shorter periods of time.
Short term auto insurance is often classed as policies ranging from one to 28 days. However, there are now a number of insurance providers who offer flexible cover for between 1 to 6 months.
To add to this, the popularity of pay as you go cover is available. This gives the option to switch cover on and off for periods when it will not be required.
There are many situations where drivers may take out one day temporary cover. One of the most common is making sure you are protected when borrowing a friends auto. Securing an additional 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 temporary motor insurance is taken out is to provide insurance for an additional driver so driving can be shared on a longer trip.
Insuring a visitor from overseas is an important reason for taking out this type of insurance. As is securing cover for one day when buying a new vehicle and needing drive away insurance to take it home. Taking a test drive and requiring insurance for a day can be another scenario.
Many people who drive a van, don’t actually own one themselves. This is where temporary van insurance can be very useful, if you are borrowing a van to move house or for other needs.
For those bikers that are planning a summer road trip or perhaps attending a biking convention or meet-up, temp motorbike insurance could be a solution. This could be very beneficial if they will only be using the motorbike while they are away.
