|
 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.
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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