Temporary Car Insurance

Short Term Insurance Coverage Types Explained

Not all insurance plans are created equal, and this goes double for short term insurers. Short term, defined as plans covering a period of one to twenty-eight days, is an increasingly popular application best known for the simplicity it offers to drivers trying to choose the right plan. While longer-term conventional insurers frequently offer a multi-vehicle plan for drivers who need to use a variety of transportation during the work day, most short-term plans are one-off, i.e. they cover cars only or commercial vans only, etc. Read on for a brief introduction to the various options available, and be sure to choose carefully in order to avoid pitfalls that come with being wrongly insured.

Short Term Policies for Cars - The short term vehicle insurance policies for cars are designed for the average daily driver. Whether covering for a brief period where other insurance has lapsed, or protecting a new driver who has yet to take on a permanent policy, the protection offered by short term car insurance will keep it legal. Drivers are required to be insured while driving in the United Kingdom, unless they have completed a more complicated process involving a hefty deposit with the Supreme Court. When faced with a choice between a large up-front payment to the government or an easy and cost-effective short term vehicle insurance policy, the correct choice is obvious.

Short Term Commercial Options - Cars are naturally not the only type of vehicle requiring short term insurance coverage. If you're moving into a new residence or renting a new office, it's often most convenient to move using a van or other commercial-class vehicle. A short term insurance policy on a van or lorry can save money for clever business owners, as many policies can be activated on a pay-as-you-drive system where the business must pay only for days the vehicle is actually in use. Because many types of commercial vehicles must be separately insured, a short term policy offers savings to drivers who already pay for a full-term car insurance policy but need to drive a larger commercial vehicle infrequently during the conduct of their work.

Whether insuring a car for a new driver or guest, or purchasing a short policy to cover your assets during a major moving project, the short term car insurance system guarantees flexibility, ease of use, and complete protection. Before planning a large drive or laying out the foundations for your business' delivery system, be sure to check out your available options. Coverage and terms vary from plan to plan, but the basic premise remains: short term vehicle insurance puts the buyer in the driver's seat.