Temporary auto insurance is simply an insurance policy that will last for approximately 1 to 28 days. Such insurance policies can prove to be beneficial for drivers who want to drive a different vehicle for a short time.
In most cases, you need to be above 21 years of age with a driving license that is clean in all respects, to be able to get a temporary car insurance. These policies could be taken along with the annual auto insurance policy to fill out for any gaps present in the main policy.
There are many positive aspects of getting a temporary auto insurance. Here are four of the best benefits that you get through this kind of auto insurances.
Risk Free No claims bonus
Temporary car insurance policy will never interfere with the ‘no claims bonus’ that you get for your main insurance policy. This means that even if you have to claim your temporary insurance plan, that will not interfere with any no claims bonuses that you’ve built up in your primary policy.
This is really a significant benefit as no claim bonuses can add up to provide you with some good savings on automobile insurance. If you haven’t claimed for a minimum of 3 years then you may be entitled for anywhere between 15 and 50 percent discount on standard car insurance.
In some cases there is a need for an instant coverage. There may be an emergency where you need to drive an automobile you are not presently insured for. Temporary auto insurance can solve this problem as you can easily contact the insurance company (by phone or through online mediums) and obtain instant coverage for the specified car. This means that you can act quickly in emergency situations and actually be legally covered when driving.
Add another driver in the temporary car insurance policy
Temporary car insurance can also be an effective way to temporarily add another driver to your car policy. This can ensure that even if you need to lend your car to a different driver, the driver will be financially covered while driving. For instance, one of your relatives may just be driving your car for practice. Temporary insurance policy will provide the necessary cover in such cases and will insure the driver for a maximum of 28 days.
Temporary insurance for your automobile is a great way to supplement all the lacunae present in your main policy. For example, many people are in a habit of replacing their cars every year. Insurance companies may charge extra fees to switch an existing policy to a new car. Get your auto insurance quotes now, and get to a better state.
If you plan to buy a new car when your main policy is nearing its renewal, it may be sensible to have a temporary insurance policy at the end of your current policy. This can enable you to cover your existing car temporarily till you have bought your new car. After that you can have a long-term policy for your new car right from the start. This could save you from paying extra charges as well as give you more time to look for the best policy that suits your needs.
Temporary insurances can offer quick access to short-term plans and can be a convenient way to get coverage for an emergency or when you need to bridge the time gap between two long-term policies.