There are all different types of vehicle insurance policies available to meet just about every scenario a motorist will need, this includes special policies for convicted drivers, young drivers, women drivers and those who only need short term cover. With the insurance market in direct competition many insurance companies specialise in offering policies for a wide range of people’s needs.

What is short term insurance?
Basically it does exactly what it says, it provides cover for those who only need to be insured to drive a vehicle for short periods of time such as borrowing a car or truck when you move home or enabling your guests to drive your car whilst staying with you. It can also be used when hiring rental cars or for taking your driving test! Whilst other people find it useful for when their vehicle is in temporary storage rather than having it uninsured.

What does it cover?
This type of insurance works in exactly the same way as ordinary vehicle insurance and can be tailored specifically to meet your needs. It can include liability, damage as well as insuring passengers for medical expenses should they be travelling in the vehicle which is in an accident. Some insurance companies will also be able to road side assistance and break down recovery within the policy.

What does it cost?
This has many variable factors and varies between insurers who offer this type of short term cover. Some companies will allow you to take a policy for as little as 24 hours, but in general the policy will provide cover for 28 days. Should you need a longer duration it may be possible for back to back short term policies. The cost is variable but is usually a flat rate which is comparable with the cost you would pay on a full term policy.

Why use it?
It can be a cost effective method of insuring a car rather than putting another person onto your full term policy and risk loosing your no claims discounts. Short term policies are also an excellent method of insuring a vehicle for travel if you have no need for a full term policy and much less hassle than obtaining a policy and then cancelling it as you may be subjected to additional expenses such as administration charges if you cancel policies on and off throughout the year.

Where can you find this type of short term cover?
Many major insurance companies offer short term car insurance which you can complete and obtain virtually instantaneously online or by phoning the insurers directly. Insurance brokers may also be able to provide you with a number of different quotes in order for you to make comparisons before buying. The usual terms, conditions and restrictions as found on most policies will apply, so you will need to read the small print or ask questions to ensure you have appropriate cover for your needs. As with any other type of policy deliberately providing false or inaccurate information to get a lower cost is fraudulent and will automatically invalidate the insurance policy.If you’re looking for a quote on short term car insurance visit Swinton.