If you are going on a driving holiday, then you know how expensive it can be to rent a vehicle, and borrowing the vehicle of someone else has a whole other set of headaches to offer. However, there is an alternative, a new insurance product for motorists on the internet. It is short term car insurance which you purchase by the day for up to a maximum of 28 days at a time.
This insurance will cover either cars or vans, and is offered through a lot of companies. Go online. Use keywords like “short-term car insurance,” “day insurance,” and “temporary car insurance.” Your search will return a variety of websites that deal with short-term car insurance. On most website, you can go through the entire process right from purchasing your insurance, to paying for it, and an option to print out the policy for your travel and records.
In the long run, such insurance may prove beneficial because it does not affect your regular auto insurance or premium amount should an accident occur or a claim be filed.
The short term car insurance also comes with what is known as an uninsured loss recovery policy, which means that if you vehicle breaks down you are covered. If you are going to be on a driving holiday outside the United States, particularly in the EEC or UK, this is very important.
Should you need an additional vehicle that you plan to borrow from family or friends, you can purchase additional short-term insurance for that vehicle, too; your insurance will give you extended coverage in areas such as Europe, and safeguard you during your road trips around the European countries.
It is particularly useful if you need a more reliable car or more space than you have in your own family transport. It is perfectly acceptable to add a trailer or caravan if need be. Be sure to investigate your insurance options thoroughly, for although these types of insurance are basically fully comprehensive, if your plans include driving abroad, the comprehensive coverage needs to be verified.
As with any other product, the insurance coverage amounts and inclusions vary from one to another provider. In most cases, though, you will be able to secure a policy if you have had a UK or EEC driving license for 12 months with less than 6 penalty points and no claims on your insurance in the last 3 years.
Short term car insurance may not be the ideal choice every one. However, it’s a very good option to think about if you plan to go on holiday and rent a car, or borrow someone else’s car. This type of insurance will allow you to enjoy your holiday with the security that you can travel freely without impacting your regular annual insurance premium.
Jack writes many articles about short term car cover and on discovering cheap short term car insurance quotes online.
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