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As the title of this post suggests, short term car insurance is a policy that can be taken out for a temporary period of time. While this is an option that many drivers do choose, it is important to note that some forms of this insurance are actually designed to be a long term solution. The terms and conditions will differ accordingly so it is essential that you understand them before deciding on the course of action for your needs.
As you will no doubt have guessed, the most common type of short term car insurance policy is an annual policy. This may suit some drivers perfectly fine, especially if they have a cheap and simple set of wheels to begin with. However, if you do not fit this description, or you would like to, there is another option that you may wish to consider. Many insurers offer their clients the option of taking out a temporary policy that will only be active for a specified number of days or weeks. By choosing to take out such a policy instead of an annual policy, drivers gain instant protection and save money in the process.
By taking out a short term policy, those drivers who do not qualify for the standard one year limit on their annual car insurance policy will have all the coverage they need while driving on the road. This includes liability cover as well as breakdown assistance. If you have a good claims discount with your existing provider, you may well be able to enjoy a further savings on the cost of your short term cover. It is always worth checking the cost of any short term car insurance cover you are thinking about applying for and comparing it with your current provider to ensure you get the best possible price.
Of course, if you already have a short term policy that has a decent claims discount, you may not need temporary car insurance to start with. In this case, you can simply choose to extend your existing one to give yourself free insurance for a period of time. For most drivers, however, this would be the most sensible option as it gives them free protection while they spend less in the long run. Drivers can choose to either take out a policy that comes to the end of their insurance contract in the same year as their new one kicks in or they can choose to take out a policy that comes to the end of their driving contract and is renewed for a further twelve months.
As there are advantages to both options, many drivers choose to take out both types of short term car insurance policy. However, should their needs change during this time, they do not have to worry about switching providers because they are covered completely across both policies. For some motorists, this is vital as they may find themselves moving from one destination to another in the short to medium term. Those drivers who only need temporary car insurance cover while they are away will find this option ideal as they can then leave the insurance company at the same time as they move on to the next destination.
Before drivers switch providers, they should compare quotes from a variety of insurers. This can be done by going online and filling in a short online form. In just a matter of minutes, a number of insurers will be contacting drivers and offering a variety of short term car insurance policies to choose from. The easiest way to make this process simple and hassle free is to use an online comparison website that allows drivers to compare quotes side-by-side before making a decision.
As you will no doubt have guessed, the most common type of short term car insurance policy is an annual policy. This may suit some drivers perfectly fine, especially if they have a cheap and simple set of wheels to begin with. However, if you do not fit this description, or you would like to, there is another option that you may wish to consider. Many insurers offer their clients the option of taking out a temporary policy that will only be active for a specified number of days or weeks. By choosing to take out such a policy instead of an annual policy, drivers gain instant protection and save money in the process.
By taking out a short term policy, those drivers who do not qualify for the standard one year limit on their annual car insurance policy will have all the coverage they need while driving on the road. This includes liability cover as well as breakdown assistance. If you have a good claims discount with your existing provider, you may well be able to enjoy a further savings on the cost of your short term cover. It is always worth checking the cost of any short term car insurance cover you are thinking about applying for and comparing it with your current provider to ensure you get the best possible price.
Of course, if you already have a short term policy that has a decent claims discount, you may not need temporary car insurance to start with. In this case, you can simply choose to extend your existing one to give yourself free insurance for a period of time. For most drivers, however, this would be the most sensible option as it gives them free protection while they spend less in the long run. Drivers can choose to either take out a policy that comes to the end of their insurance contract in the same year as their new one kicks in or they can choose to take out a policy that comes to the end of their driving contract and is renewed for a further twelve months.
As there are advantages to both options, many drivers choose to take out both types of short term car insurance policy. However, should their needs change during this time, they do not have to worry about switching providers because they are covered completely across both policies. For some motorists, this is vital as they may find themselves moving from one destination to another in the short to medium term. Those drivers who only need temporary car insurance cover while they are away will find this option ideal as they can then leave the insurance company at the same time as they move on to the next destination.
Before drivers switch providers, they should compare quotes from a variety of insurers. This can be done by going online and filling in a short online form. In just a matter of minutes, a number of insurers will be contacting drivers and offering a variety of short term car insurance policies to choose from. The easiest way to make this process simple and hassle free is to use an online comparison website that allows drivers to compare quotes side-by-side before making a decision.
