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There are times when you really do not need long term car insurance. You may just need to get it for a couple of days or even for a few months. Many insurance companies now offer short term car insurance for these times. It is cheaper and more sensible to buy short term than to change your regular insurance when you need to borrow a friend’s car for a few days or when someone is going to borrow your car. These are times when getting temporary car insurance for a few days is a better option than changing your usual insurance.
When you let someone borrow your car you can be taking a risk of ruining your no claims discount that you have earned from being a safe driver who has had no claims on your insurance policy. If someone borrows your car and gets in an accident you are going to need to get your car repaired. If you claim it on your insurance you will lose the discount that it took years to get. Instead of risking losing that discount get short term insurance instead. This will cover the car and the people driving it. Usually the coverage is comprehensive so nearly all things are covered. If there is an accident it will not affect your no claims discount. This will save you hundreds of pounds on your annual policy.
You can get short term cover just for a day or get a one month insurance policy or one that lasts even longer. For ultimate flexibility, you may want to consider a 'pay as you go' policy. For the coverage you get with these options the price is really quite reasonable. It is usually cheaper than having changes made to your regular policy. One day car insurance is also easy to apply for. There are not nearly as much to fill out as with annual insurance. You will have to answer some questions but for the most part you should have your insurance in place in a matter of minutes. They will check your driving record to see if you have marks on it from speeding or unsafe driving.
Because this insurance is so simple to apply for, there are usually rules to who can get it. The usual minimum age requirement is 25 or older. Younger ages may not qualify for it. There may also be a necessary amount of years that you have been driving and your driving licence will have to be clean or nearly clean. There may be rules on what type of car you can insure also. Usually cars which have had modifications to them will not be insurable.
If you need insurance for a short period of time then getting this insurance is the right thing to do. You will be able to protect your no claims discount and save money in the long run. This is perfect for when you buy a new car and want to drive it home right away. Since it only takes minutes to get, you will be on your way home in no time flat. You can then take your time and shop around for permanent car insurance.
Another way to save money is if you have more than one vehicle at the same property. The cars do not all need to belong to you or any single person. As long as the owners are all resident at the same address, you can get one policy to cover all the vehicles, which always works out cheaper. This is known as multi car insurance and is becoming increasingly popular. You can get quotes quickly and easily by searching online for multi car insurance.