Short-Term Car Insurance Makes Sense
insurance for three days could cover you over a weekend away or it
could be used if you’re borrowing a friend’s van to move home. It’s
also a good idea for businesses as travelling by car could be
cheaper than train travel, so temporary car insurance has a few real
world applications that make the idea of being insured for anything
from 1 to 28 days make sense.
Why you need it
You have to be
insured for every journey on British roads. The Road Traffic Act
section S143 (Driving without insurance) doesn’t leave a lot of room
for interpretation, so even if you’re only going to borrow your
mate’s van for a day, you’ll need some form of cover. Breaking this
law brings with it a £5,000 fine and a 5 point penalty, and although
you might think that the punishment doesn’t fit the crime, driving
without insurance puts the vehicle you’re driving and other cars on
the road at risk, so the act makes sure that drivers fulfil their
responsibility to all road users.
Why Business users need it
Traffic Act also has to be taken seriously by businesses, as the
employer can be jointly liable with the employee in the event of an
accident. There have been cases when the employee has successfully
argued that they believed that the firm has insured them while they
were in a company vehicle on company business, so a short term
policy would give a business owner peace of mind if an employee has
to travel for business.
As with other
forms of car insurance, a short term policy will cover damage to the
vehicle and any other vehicles if you’re liable for the claim. Fire
and malicious damage are also part of most policies, as is
accidental damage to property. Cover for your legal obligations
following an accident is also a pretty standard element of temp car
insurance, then there are other things to consider like medical
treatment costs in the case of an emergency, and you could also get
cover for electrical items like the car’s telephone and sound
difficult to get a competitive quote nowadays thanks to the web, and
you’re normally not under any obligation to take the cover quoted.
Compared to annual car insurance, there are far fewer questions, but
you might find that there are some restrictions, for example if
you’re looking to borrow your friend’s Ferrari for the weekend, you
might find that very few insurers offer this type of insurance for
Group 50 cars.
shouldn’t take the risk of getting caught without car insurance,
particularly as temporary insurance cover is pretty cheap nowadays
and can be easily taken out with only a few minutes of your time.
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