If you are a new driver with a learner’s permit and you intend to drive a car, you can get the car insured for a particular period till you obtain a regular driver’s license. Temporary car insurance is the option for you. Law requires that even to own a vehicle, one would certainly need liability insurance, even if the car is not driven by the owner.
The new driver can get an affordable deal with for the limited period through temporary car insurance. If there is a threat to the car, due to weather conditions and natural calamities such your car has chances of being destroyed in a hurricane, storm or flood are high. To be protected against such a possibility you need temporary car insurance. For this coverage for a short period of time it is not necessary to pay premiums all through the year. This is a good way to save money on premiums when there is no need for this coverage.
How it Works
As the name suggests, temporary car insurance provides coverage for a specific period as it is for temporary use of the vehicle. In general the coverage is for a period of a minimum of 1 day to a month and could go up to six months at the maximum. The premium could be collected bi-monthly or a single payment. However coverage starts from the date of purchase. The coverage includes liability insurance (bodily injury, property damage), physical damage, and uninsured and underinsured motorist, and may include medical payments for passengers. The premium is normally less than that of long term insurance. Some of the insurers offer extras like roadside services to policy holders. The policy can be cancelled by a written request.
Advantages of having Temporary Car Insurance
Following are the advantages of having temporary car insurance
- Instant Car insurance coverage
- Temporary insurance for the additional cars and SUVs
- For temporary additional drivers
- Protecting No claim Bonus
- Immediate Drive Away Coverage
- Unaccompanied Vehicle Demonstration
In general temporary car insurance is the most suitable plan for the short term needs. Short term policy would be more useful, if you have purchased the car and have not gotten the insurance yet. There is no burden of paying long time premium as it is short term and payable only once as there is no renewal of policy as such.
Who can apply for Temporary Car Insurance?
The persons who are not the regular drivers, students, visitors, those who do not have temporary additional vehicles are mainly the population who wanted to get the temporary car insurance. The policy talks for the nature and the purpose of being taken for specific purpose and for a particular period.
Temporary car insurance plays very vital role at the time of the accident. It is a very simple process to get a temporary car insurance.