Reader’s question:

Is there a way I can procure a car insurance on a temporary basis only?

Brandon

Thanks for asking.

Generally, a car insurance entails an annual contract with an insurance provider to indemnify them against unforeseen incidents and other risks. But there are other kinds of vehicle insurance out there including temporary car insurance that stipulates a named driver to operate a car for a limited period between one and twenty eight days, this is known as temporary car insurance or day car insurance.

Temporary car insurance can be secured by most providers and covers any temporary additional drivers which shall include visitors from the overseas and temporary additional cars. Its coverage can also extend to unaccompanied car demonstrations, the use of courtesy vehicles, the lending of a vehicle to another named driver and an outright drive-away insurance policy if you have just purchased a vehicle.

Some insurance providers even give out free day vehicle insurance for this purpose via vehicle vendors as a motivation for the client to renew on an annual basis although the client is under no obligation to do this. Temporary car insurance is available for any vehicle which is taxed and legal to drive with a US driving license stating the named driver has a full US or other acceptable driving license.

The only other condition for a lot of temporary car insurance is that the divers must be over twenty four years old or twenty three years old for the secondary driver. These requisites are standard for a lot of providers although premium costs differ based on provider and standard risk appraisal.

One mistake that a lot of drivers do not consider is that when borrowing a car from another person, even if both are covered on a comprehensive basis, you will only have third party insurance on set vehicle which therefore means that the actual car you are using is not covered. In the event of an injury or damage you will be covered for the loss of the third party but not for the accident to the vehicle and persons or property in the vehicle.

This is where the importance of temporary car insurance comes into play since you can pay a one-off fee to make sure that you are fully insured under a fully comprehensive insurance for as little as one day. Fully comprehensive generally includes damage to the insured car owing from an accident, loss or damage caused by fire, vandalism or theft, legal costs and emergency medical costs.

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