Temporary Car Insurance – Car Insurance Advice. If you have just purchased a car you may want to insure it without any long-term commitment. You ring your insurance company and inquire about short-term coverage.
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Can this be done?
Absolutely. Temporary car insurances are purposely made to insure cars in a shorter period.
It allows car owners and drivers alike to claim coverage in case an injury or damage is sustained by either the car or the driver the same way as with longer policies.
But as opposed to long-term car insurance coverage, temporarily allows you to claim these benefits even if the coverage is only for a day or two!
Temporary car insurance is beneficial on many occasions, such as when you just bought a car from a private dealer and are sure want to drive it.
But at the same time, you may be having second thoughts as to its quality and you do not want to be responsible for any accidental damage. It is beneficial too when you have borrowed or hired a car.
Student drivers can benefit from short-term car insurance too, and they usually provide additional drivers in cases of long drives.
This means that a parent or roommate can drive the student’s car and be protected if the worst was to happen.
And most temporary car insurances may be applied over another policy so there’s no need to cancel one policy for another.
How long do temporary car insurances last?
The length of car insurance with a shorter duration varies in different places. In Ireland, for example, temporary car insurance can last for as long as you may need to have it.
The essence is that it is instant and it is there at your disposal. Although there are limited options, cheap car insurance in Ireland is now gaining popularity.
It is no longer difficult for car owners to buy short-term Irish car insurance. In some places, such as the UK, the cover normally lasts up to 28 days, occasionally for up to 6 months, and sometimes (although rarely) longer than that.
What makes it different from fixed, longer-period car insurances?
The obvious difference is that it is shorter. It is designed for drivers who want to do away with unnecessary long-term commitments with their car insurance.
Additionally, it is cheaper. Something for a shorter period will not require as much out of your pocket.
Car insurances that have a long duration are usually paid for in installments.
Even so, it does not make it cheaper than the short-term deal. This makes them inexpensive car insurance buys. Finally, the setup for short-term cover tends to be simpler and quicker.
There is no need for quite the same bulky paperwork and long negotiations.
Usually, the terms are straightforward to set up. You may now have decided that the joy of temporary car insurance cannot be passed upon.
The next thing you should do is to scour the market, the yellow pages, and the internet for competitive quotes.
The internet is a great research tool that can give you an objective view of different insurance providers through customer feedback and reviews.
