Short Term Car Insurance
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or try here for a
temporary car insurance policy
Short term car insurance provides cover for a
short period generally between one and 28 days in length. There are
many reasons why one should choose to purchase short term insurance
• A friend, family member or other acquaintance is using your car
for a short period.
• You are driving another person’s car for a trip or simply to take
them to the airport or train station.
• You are test driving a new car.
• You are sharing driving with other people on a trip in either your
car or their car.
• You are driving a courtesy car.
Many people simply forget about the need for car insurance for
something as trivial as driving friends to the airport in their car.
However, if your present insurance policy does not provide cover for
such driving circumstances, then it is a good idea to be safe rather
Short term car insurance is generally available to anyone with a
valid driver’s license. However, most companies have age
restrictions. Some companies will have only a minimum age
restriction, for example, you must be at least 21 years old. Other
companies have both a minimum and maximum age limit, for example,
between 25 and 75 years.
What does short term car insurance cover?
Coverage depends on the insurance company and the specific policy.
For this reason, you should read the fine print of the policy
carefully before making a final decision. If you are unsure about
any details, simply ask the insurance company for clarification. The
basic types of cover are accident, liability, theft and personal
Accident insurance protects the insured in case of an auto accident.
The policy will generally pay to repair or replace the damaged
vehicle. Some policies may provide a courtesy vehicle if there is
any delay in repairing or replacing your auto.
Liability insurance protects the insured drivers from liabilities
that arise as a result of an accident or other driving-related
event. In case other drivers or passengers are injured or killed in
any of the vehicles involved in the accident, liability insurance
will pay for all or part of the damages. In some cases, the coverage
will also extend to legal expenses connected with the accident.
Theft and personal injury cover protect against theft of the vehicle
and injury to the insured drivers. For example, if the vehicle is
stolen or some parts are stolen, the policy would replace whatever
was stolen. Personal injury cover will pay for the medical expenses
of the injured drivers in case of an accident.
The premium required for short term car insurance is dependent on a
number of factors including age and driving record.