Short Term Car Insurance in the UK
You may need short term car
insurance for a number of reasons. It may be that you are back in
the country for a short stint, you may have bought a car and are yet
to shop for the perfect long term car insurance policy, you may be
giving your car to a friend to use for a while, you may not have
adequate insurance on your car yet to use it for travel or you may
be going to a far off place and need to be insured during the trip.
As you can see, there are many reasons why one can
take up a short
term car insurance policy.
The best part in this type of cover is that it has the least
involving application and approval process. Basically, there are
only a few essential requirements you must meet in order to get
short term car insurance. These are: be between 21 and 75 years of
age, have a valid UK driversí license, have a clean driving record
and no more than 6 or 8 points accumulated over the last three
years. The number of points varies from one provider to another so
you may need to shop around first especially if you have a high
number of points.
Because you will only drive for a short period of time, insurance
companies are not worried about risk of accidents. If anything the
risk is lower than that of a driver with a long term policy. The
insurer can therefore afford to give you much lower rates. Parents
who are worried that listing their children on their policy will
raise their rates can get them a short term policy instead. It is a
There are numerous advantages of having a short tem car insurance
- Because of the straight forward approval process, one can apply
and receive their stamp of approval online. All it takes is you
simply logging online and checking out companies offering this
policy. Send your quote request and fill out the application request
form. When approved, you can pay for your cover and get the print
version of your policy instantly.
- Your cover takes effect instantly. There is no waiting period as
happens with longer term insurance policies.
- A short term car insurance policy does not affect your No Claims
Discount or Bonus. Even if you get into an accident while under this
cover, it will not have an effect on your NCD as the accident is
registered under the short term policy, which is separate from your
regular insurance policy.
- The coverage level is very flexible. You can get as much or as
little as your needs dictate. The beauty of the short term car cover
is its ability to be tailor-made to your specifications. You are
also at liberty to take the insurance for as short or long a time
duration as you wish. Policies are available for one day to 28 days
but longer periods are also accommodated.
A short term car insurance policy keeps you covered regardless of
where you go; and you donít compromise your safety and that of your