Short Term Car Insurance

Cover   Restrictions   Accidents

Overview of Short Term Cover

Short term cover is distinct from an annual insurance policy. Motorists purchase short term cover so that they may legally drive a car they don't own. The term itself may refer to temporary cover or monthly, pay-as-you-go cover. Short term policies ensure that motorists comply with the law, but also offer the added benefit of protecting their annual no claims bonuses; a claim on a short term policy won't affect the bonus on an annual policy. Given how easy it is to purchase short term cover online, motorists should take advantage of the benefits offered by such policies.

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Temporary Cover

Any motorist who needs cover between 1 and 28 days will want to purchase temporary cover. It's paid by the day via debit or credit card and is especially good for those who need cover immediately. However, because of the limited timeframe of this type of cover, once it has been purchased, it's usually impossible to change any details. Those details include starting date, duration, second drivers, and so on. Before purchasing, motorists should be as sure as possible that their cover needs will not change.

Pay-as-you-go Cover

The other type of short term cover is monthly, pay-as-you-go cover. This is best for those who need cover between 1 and 6 months – that is, longer than the 28 days allowed by temporary cover, but shorter than cover under an annual policy. Pay-as-you-go cover is automatically renewed each month and may be cancelled at any time. Motorists can deactivate the cover and then reactivate when it's once again needed; months needn't be consecutive. As with temporary cover, it's paid online via debit or credit card.

How to Purchase Short Term Cover

Insurers make it quite simple to purchase short term cover. Online insurers offer immediate quotes. It can take mere minutes to input one's information and get approved. For temporary cover, this is especially easy; cover may even begin immediately. Motorists purchasing pay-as-you-go cover will manage the cover entirely online – updating information, adding a driver, or even cancelling the cover. Policy documents may be e-mailed as soon as payment is made; the insurer might also post it the following business day. People should make sure to read these documents, as they contain important information on restrictions and exclusions.
 

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