Short term motor insurance is a type of insurance offered for one day or for a few months. This kind of insurance is highly useful in various situations. You can avail of this opportunity, if you want to hire a driver for your car for one day or you want to add your wife or son to your policy through a temporary policy. This will get you instant coverage and is, more often than not, comparatively easier than adding another person to the existing policy of the car.
There are various other circumstances too, in which short term motor insurance is highly helpful. It allows multiple drivers to drive your vehicle or if there arises a need for you to test drive your new vehicle, you can call up a driver and get instant coverage. It is risky to drive the vehicle without the insurance even for a single day, and therefore, a temporary policy is essential, especially if the car happens to meet with an accident.
Short term motor insurance also finds great use when you want to move your home with the help of the vehicle. If a car is under maintenance and sitting in the garage for a long time, and if you want to drive another car, this type of insurance can be taken. Students who plan to go for a vacation while coming home from college can have short term motor insurance to drive their parent’s vehicle. It will also protect them in case there is a damage or collision.
The added advantage is that temporary insurance coverage will also, to some extent, cover damages due to theft or fire. If you take a comprehensive policy, it also offers coverage for explosion, glass breakage, as well as accidents, apart from theft and fire. Short term motor insurance will not have any effect on the no- claim- bonus that is prevailing in the ordinary motor insurance. And when there is no need for this insurance, it is quite simple to cancel it as well, by calling the auto insurance company and inform them.
It is feasible to take short term motor insurance online too and there are numerous companies who take applications and offer cover almost immediately which saves a lot of time. Some of the companies may also charge one flat rate, irrespective of the driving history of the driver and also include the repair service, therein. Since there is a lot of choice, it is advisable to browse through the sites and compare the prices and get the best option possible.