What is short term car insurance?
Why would I need it?
FAQ
get a quote
for:
1-28 days
1-8 months |
What Is Covered Under Short
Term Car Insurance Policies? Short-term motor insurance covers all named individuals who will be
driving the car. Each driver must have a valid driver’s licence. To
guarantee there is no issue left uncovered, all parties who might drive
the vehicle must be named on the policy. If for some reason, you could
be driving more than one vehicle, the short-term motor insurance will
cover all cars listed on the policy. You can usually choose between
third party, third party fire and theft and fully comprehensive cover
and as with every insurance proposal you are always advised to read he
policy carefully, there is always a link to this.
Are There Any Exclusions to Consider when Purchasing Short Term Car
Insurance Coverage?
Under the terms and conditions outlined in a short-term car insurance
policy, certain exclusions exist. Here are a few typical examples;
individual policies vary however and you should always check the small
print!
If the vehicle is stolen due to reckless or careless acts by the driver,
the insurance company may not pay to recover or replace the vehicle.
Any damage occurring due to the vehicle experiencing mechanical or
electrical failure owing to poor maintenance is sometimes excluded from
coverage.
Damage due to normal wear and tear on the vehicle is excluded.
Damage caused by high winds or natural hazards are generally excluded.
Once again, some important advice; check he policy details! Read the
policy very carefully before signing. Policies are written with
stipulation specific to how the vehicle is to be used. A ‘Description of
Use’ clause is written into all policies. If the insured uses the
vehicles for any reasons other than the ones stipulated and an accident
occurs, the insurance can become null and void. Any damage due to uses
not allowed or exempted, will be often have to be repaired at the
expense of the driver. As an example, if the car was involved in a race
with another vehicle, this would clearly be in violation of the policy
and any damage incurred while racing would not be covered.
If a driver, who had not been added to the policy, had an accident while
driving the vehicle, the subsequent costs would not be covered by the
policy.
Short Term Car Insurance: Vehicle Eligibility Requirements
To obtain Short-term motor insurance in the United Kingdom, the vehicle
must usually meet certain specifications.
Vehicles with more than seven or eight seats, or capable of holding more
than seven or eight people will not normally be covered under short-term
car insurance. The driver’s seat would be included in the total.
The vehicle cannot normally be an import unless the import is by a
certified car dealer.
All vehicles must be registered in Great Britain or Northern Ireland.
Any vehicles registered outside of these two areas would not normally be
covered.
The vehicle cannot usually be valued at more than £50,000
The vehicles cannot usually be used for commercial means so individuals
carrying trade goods etc will sometimes not be covered; check individual
policy details.
Vehicles cannot be used to haul illegal drugs, hazardous materials,
flammables or gas.
Vehicles cannot be used for transporting illegal aliens or used for any
illegal gain. |
