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You just bought yourself a new car, just when you are having a hard time to decide a suitable insurance policy for this new vehicle, you receive a phone call from your relatives telling you that they are coming over for a short visit and would most probably need to borrow your car for a drive. Suddenly, you find yourself in a difficult situation, while you are still contemplating for the suitable kind of policy that will suit your needs, and you need to have some kind of insurance before your relatives arrive.
Instead of committing to a policy in haste, you though you should opt for something that provides temporary coverage for you and your relatives, while you continue to look for a long-term policy that will suit your personal needs. There is also another situation when you realize that you will be driving someone else’s vehicle for a short-term and you are worried if you are insured and you definitely do not wish to bother the owner of the vehicle any further.
Perhaps you have experience similar awkward situation like the ones that were mentioned; and it is for situations like these that short-term auto insurance was designed. Like the name of the policy suggested, a short-term car insurance policy is similar to the individual car insurance and provides the same kind of comprehensive coverage; the only difference is that this policy is only effective for a short-term basis only. The term of coverage for short-term car insurance generally ranges from 1 day to 28 days and in some rare cases for a few months.
The short-term insurance car policy is an alternative for those who only intend to drive a vehicle only for a short period of time; therefore there is no need to add their names permanently on a long-term policy. The short-term policy provides an extended coverage not only to the policyholder but also the third party. During the period where the policy is effective, the third party or the designated driver will generally be covered for personal injuries, death and also property damage.
While the short-term policy only provides coverage on a short-term basis, each policy is flexible in order to meet the user’s requirement. It is easy to use and provides a comprehensive coverage to the policyholder and the third party (or designated driver) and the insured vehicle in the event of an accident should the situation conform to the purchased policy. The general coverage of the short-term policy includes, loss, theft, fire, vandalism and damage among others to the insured vehicle.
There is no reason for anyone to overlook their safety just because it is only for a short period of time; therefore purchasing a short-term car insurance policy is highly recommended to ensure full coverage for yourself and any other third party who is driving your vehicle with your permission. However, each short-term policy varies from another and it is best to consult and compare with a few insurance companies before committing to a policy. Perhaps, one might find it a hassle to go through all these hassles, but one might always want to be prepared for the unexpected and spending a little time and money for the safety of you and your loved ones is always worth it.