What is short term car insurance?
Why would I need it?
Usual coverage
and exclusionsget a quote
for:
1-28 days
1-8 months |
Frequently Asked
Questions
Will a short term insurance policy
cost more than long term cover?
As with any insurance policy, your driving history will be a major
factor when insurance companies determine the cost of your coverage.
Age, location, driving history and type of vehicle to be covered all
will be determining factors. Typically, even with a good driving record
going for you, short-term car insurance is more expensive per day than a
long term policy so it should be purchased only for those situations
requiring transportation needs for one day to six months cover. f you
need insurance cover for a longer period of time, you may find it
cheaper to buy a full 12 month policy even if this is a longer period
than you need it for .
Where Can I Buy Short Term Car Insurance?
If you are looking for a 12 month policy insurance providers are
available in the thousands but low cost short term insurance is only
available online from a few specialist providers. This is because, if
you go to an insurance broker, he or she will have as much work to do in
arranging the policy for you as a full 12 month policy would need, and
perhaps even more, so you would be either turned down or charged
accordingly. Online providers are fully automated so all these costs are
avoided and they are able to provide you with a policy at a very
competitive price.
Is There a Minimum or Maximum Time Period Requirement?
Short-term vehicle insurance can be purchased for one day right up to 8
months and it is even possible to buy month to month policies at a fixed
rate if you are unsure how long you will need the policy for. If your
insurance need is six months or more, the premium might be a cheaper if
you opt for a full year's cover instead and shop around using a good
price comparison site.
Can Short Term Car Insurance Be Purchased For Any Vehicle?
Just about any roadworthy cars, vans, motor homes, classic cars, campers
or classic vehicles can usually covered but there is usually a
limitation on the value of the vehicle (cars worth over £50,000 cannot
normally be covered) nor can, typically, vehicles with more than seven
seats.
Can anyone buy short term cover?
Like any insurer, a short term
insurance company may turn down applicants with particularly poor
driving records but usually a few penalty points are OK. There is
usually an age limit; most companies offering very short(1 to 28 days)
policies prefer drivers to be over 24 but month to month (ie policies
between 1 and 8 months) are much more flexible and will take applicants
of any age provided that they have a full driving licence.
Can I name multiple drivers or even
multiple cars on a short term policy?
Usually; yes, and yes.
I am a learner driver. Can I get a
short term policy for taking my driving test?
Sadly, no. Policies are only available
to applicants with full driving licences.
My brother has an Australian driving licence. Will it be acceptable?
Some companies are happy with
non-European Union licences and some are not. They will state on the
application form which licences they can accept.
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