A short term car insurance policy is a policy that covers against any short term loss, damage or any other liabilities caused by your car. It is important to know exactly what the policy covers because the time period of the cover in most cases is limited however the amount covered is not. Short term car insurance is usually acquired to cover for risky periods such as hurricane and tornado seasons so that in case the car gets destroyed or damaged during this period, insurance can pay for damages or loss. In many instances in addition to covering liability, short term car insurance also covers any damage that may occur on the policy owner’s car, medical expenses incurred by passengers and liability suffered by the drivers.read more information on the types of car insurance by clicking here
When to take short term car insurance
As mentioned above, there are instances that require short term car insurance. Apart from periods characterized by hurricanes and tornados, it is important to take short term car insurance when renting a car. In many instances in the U.S., short term car insurance only covers the person who is renting the car. In cases where a car will be used by more than one individual, it is advisable to take short term insurance. This way the cover will cover the additional friends who will be using the car with you for instance during vacation travel.read more information on short term car insurance providers by visiting http://www.which.co.uk/cars/driving/car-hire-and-car-clubs/short-term-car-insurance/short-term-car-insurance-providers/
It is important to take short term car insurance in this case because vacation travel involves driving in different regions/places of the country that one might not be familiar with. For instance, some states in the U.S. such as California have very high accident rates due to heavy traffic and reckless driving. As a visitor, it is very easy to get into an accident in such states if you get distracted. Acquiring short term insurance ensures that any accidents that may occur during vacation travel will be covered.
It is also advisable to take short term car insurance when you are a visitor in the UK. This is because most visitors are unfamiliar with the driving rules and regulation in the UK which in many cases leads to confusion which in many cases causes accidents. Swiftcover contact number is an easy way to get a complete information about car insurance, read more information about Swiftcover contact number by visiting http://www.insurancecontactguide.com/swiftcover-car-insurance-contact-number/. Because driving rules and regulations vary from one country to another, a short term policy can safeguard a visitor before they learn the new rules and regulations. This helps in ensuring that an individual has a peace of mind as they enjoy their vacation.
A short term policy car insurance policy can also be taken when a person wants to use a car for a very short time. For instance when transporting a car from one place to another, a short term policy is important for covering any liability that many occur when driving the car from one location to the other. This cover ensures that any accidents that occur during the transportation period will be covered. In case the car needs replacement or repair during this period, the policy covers everything without increasing insurance rates of your original car insurance.
Advantages of a short term car insurance policy
There are a number of advantages of short term car insurance policies. One advantage is that the policy is more convenient as opposed to taking normal insurance. For instance in the case of travel insurance, and you have guests visiting who might need to borrow your car to visit a number of places, the short term policy is more convenient and fast because you do not need to add them into your existing car policy and then remove them later.
Short term policies also have a short application process which is advantageous. Because the policies are purchased for a given period of time, i.e. daily for a month, the application process is faster. The policy is ideal for situations that complicate the process of getting insurance. For instance, when you purchase a new car, the U.S law requires that you have car insurance before driving the car. Most new car owners are anxious about using their new car and prefer to wait a bit before shopping for long term car insurance. In this case, a short term policy is better because it lets the insured insure the new car immediately on purchase.
Short term policies are also cheaper for individuals with lifestyles characterized by extended travel. For instance, students who may be studying abroad and require to travel back home after every three months may be more suited by a short term car insurance policy. Also, business professionals who need to travel a lot are also better served by a short term policy. The policy is therefore cheaper as you only take insurance for the period which you will be using the car. Premiums paid on short term policies are way less compared to those paid on ordinary policies.
Short term policies also provide more reliable car insurance to international travelers wishing to bring travel with their own car. This is because the insurance cover is different from car insurance paid on imported cars where a permanent resident of a country tries to insure their imported car for a long term basis. In this case, the application process only requires your home countries driving license and the registration details of your car.
Conclusion of Short Term Car Insurance
In summary, taking short term insurance is easy and fast. Whether you are traveling from one state to another or from one country to another, it is important to think about the cost importance and effectiveness of using your car over insuring and driving a rental car. Short term car insurance for rental cars is necessary although it is usually higher compared to insuring your own car. It is also important to note that the policy premium varies depending on a number of factors such as the type of car you are insuring. For instance, a sports car short term policy will attract higher premiums as opposed to an economy car. Other factors that affect the policy premiums/terms include age, income, marital status etc. To get the best short term car insurance policies in the U.S, it is important that you shop around and compare different kinds of rates and policies offered by insurance companies.