What You Need To Know About Temporary Car Insurance

Published: February 24, 2018

Updated: May 15, 2018



There are lots of available insurance policies. Many insurers work tirelessly to formulated protection and policies that suit the particular requirements of their clients at an affordable price. However, despite the different types of policies and coverage available, there are awkward times when the insurance cover which you have will not be suitable for the unique situation that you are presently in.

Insurance firms are usually huge and have been around for quite a long time. This is an advantage for an individual who finds himself in a particular situation that requires unique assistance from a provider. Due to the habit of insurers who document every request made by customers’ right from the inception of the company, they now have a plan or policy available to meet any particular need. One of such policies is temporary auto insurance.

Temporary auto insurance policies offer an amazing opportunity for an individual to be covered in situations where their existing insurance policy may not offer coverage. For example, if an individual intends to test drive a car and go beyond what his insurance policy can protect, he or she can obtain temporary auto insurance for the test drive. This is particularly convenient if the test drive will be done on a road that might have heavy traffic or plenty of hazards.

If an accident occurs during the course of the test drive, the temporary car insurance will cover the accident with no worries for the insured and the claim will not be added to an established policy hence, the rate will be increased.

Another great application of temporary auto insurance is in a situation when you are going on holidays or travelling with family and friends. You might be sharing the driving task with family members who you are aware are not safe drivers like you or with friends you are not sure about how they drive. In such scenario, you can add all of the members of the party on a temporary insurance policy and regardless of who is driving when an accident occurs, you will not be held liable.

When you borrow or rent a car, truck or van to transport several people or furniture, temporary auto insurance will give you the ability to do this with safety and protection. If the truck, van, or car is stolen or broken, your temporary auto insurance policy will cover the repair or replacement of the vehicle.

A temporary auto insurance policy is very flexible. Any number of persons who will be driving your vehicle can all be insured. You can modify the insurance to suit your particular needs, and you can receive instant coverage for such times when you want to take a leased vehicle on a trip or drive a new vehicle off the car lot.

Temporary auto insurance also offers daily insurance rates and competitive daily pricing structures so that if you have to employ insurance for a single day, you do not have to pay any long-term premium for it.