Auto Insurance Diary

Image courtesy of Sherlock77 (James)

Finding cheap temporary car insurance whenever you need to drive can be a cost effective way to drive if you are an occasional motorist.

Whilst you have to have car insurance, it can be expensive to have cover in place all year. Why bother? Looking for insurance cover only when needed seems a sensible and practical way forward and is just one of the ways that the cost of motoring can be managed.

Students returning from college or university for the holidays can be one reason to look for cheap temporary car insurance. Youngsters are notoriously expensive to insure and minimising the time they have cover of their own in place can reduce the annual cost of their motoring. Getting three or four weeks insurance cover as a named driver on a parent’s or relative’s car can dramatically cut costs.

Whilst short term insurance is common on hire cars on holiday, not many people consider it as an option when at home in the UK. With total motoring costs escalating it makes sense to look at any option that can reduce the actual cash outlay whenever possible.

Temporary car insurance is now readily available from most major providers. So whether you are hiring a car or just want to upgrade cover to comprehensive for a short period whilst driving someone else’s car, then quotes are easy to obtain. Most of the comparison websites will allow searches for short term cover up to 28 days but the shortest period is usually a day.

Getting temporary car insurance may also enable you to tax a car. Not all insurance companies will allow this but it may be possible with a personal visit to a post office. This can help where there is a test drive involved or a short delay in being able to arrange a permanent insurance. Longer short term cover will be more acceptable than the shortest period but it will buy time to shop around and find the cheapest deals.

Short term insurance cover is incredibly flexible. When used as a means of getting cover to drive some one else’s vehicle or for them to drive one owned by you, it can help protect any no claims bonuses built up by the main insurer. Whilst there may be some age restriction with some providers, cheap temporary car insurance is always an option worth considering.It would be best to compare car insurance by clicking here.

The only definite restriction on being able to apply for temporary cover is that the driver must hold a full and valid UK driving licence. Some companies will accept continental equivalents but it is essential to check when making the application for a non national.

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