How To Benefit From Short Term Car Insurance

Do you need to borrow a car or van for the weekend and do not want to take a chance of running up your insurance? There is short term car insurance which is perfect for this circumstance. This particular cover is usually meant to be used for a day or up to 28 days. It is easy to get and can save your no claims discount that you worked so hard to get. It is an economical way to get insurance for a short period of time.

Short term car insurance can save you hundreds of pounds on your annual car insurance policy. The way it saves you so much money is by protecting your no claims discount. When you go without making a claim on your insurance you will get a reduced price on your annual insurance. This can add up to a lot of money when you figure five years of no claims can equal 65% off your bill. One accident or claim on your policy and you lose that savings. So you can see how much money you can save by getting short term insurance.

Usually car insurance for a day will be a comprehensive policy. This covers just about everything. It will pay to get the car repaired and pay the medical bills if you are in an accident. If your car is stolen, comprehensive will pay or if your car or van catches fire the insurance will pay. This means whatever car or van you put on the insurance will be covered. This is always nice to have when you are borrowing someone else’s car. Can you imagine how bad you would feel if you got in an accident with your friends car or van? It would not be a nice situation if you were not fully insured.

You can have that coverage with short term car insurance. You only pay for the days you want it. There is no long contract that you really do not need. You can get short term for one day or 28 days at a time. There is a limit on how many days out of the year you carry short term insurance, however.

Short term car insurance is really easy to apply for and will only take a few short minutes to get. There are rules that insurance companies have with this insurance. They will probably insist that you be at least 25 years old and have been driving for a certain number of years. You will have to have a clean driving record or have very few points on it. Another thing that may make the difference is the type of car or van you want to insure. Modifications will probably not be accepted. The insurance companies make the rules and they may be different at different companies. This is something you may want to check. The reason for these rules is because it is so easy to get the insurance. You do not have to answer as many questions as a normal policy would have you do. Car insurance for a day can save you money and you won’t have to stress about your no claims discount or driving a friend’s car.