Short Term Car Insurance

Anyone who owns a car must have at least third party insurance before they can drive it.  This will cover them should they have an accident which also involves someone else.  Third party fire and theft will also cover for if the car catches fire or sets some other person's car on fire.  If your car is stolen it will be covered for its current value at the time of the theft.  Fully comprehensive insurance covers for almost everything such as a broken windscreen and protection of your no claims bonus.  A car insurance policy will cover a motorist for twelve months at a time and the yearly premium can be quite expensive. On occasions someone might find that they need insure cover for a shorter period of time.  It might be because they are letting a friend or relative borrow their car or because they are borrowing a car themselves.  It could be because family or friends are staying for a short holiday and need to use the car.  Whatever reason in circumstances such as these it might be better to apply for short term car insurance than adding on a name to the standard insurance.  Should any accident occur it will not affect the no claims bonus of the policy holder.  A short term car insurance policy can cover a driver for up to 28 days. Check that it is possible to renew the policy should you need cover for longer.

Anyone who has a UK driving licence is allowed short term car insurance but the age of the person applying will be taken into consideration. The cost of short term car insurance will depend upon what type of car you want to drive and whether you have a good driving record.  Insuring a car that has a small engine will be much cheaper than insuring a high performance car.  Shop around by checking out the comparison web sites on line and get as many quotes as possible.  Always read the small print and make sure you are getting the cover you need. There are many specialist providers that can be found on the Internet so take your time before making any decision.  For drivers who add additional names to their insurance policy this could be very risky if one of them has an accident. Someone who has built up their no claims bonus over the years could easily find themselves paying a bigger premium at the end of the year if they have to make a claim.  Accidents happen but taking out short term car insurance is well worth the peace of mind it brings.

Summary

Short Term Car Insurance is ideal for anyone who is intending driving some other person's car for a short period.  It will also provide insurance cover for additional drivers for periods of up to 28 days. It is a far better way than just adding names to the existing policy as it will not affect the insured's no claim bonus should anyone have an accident.