There is a type of insurance that you can now get where you would usually need to pay out for an annual policy. This relatively new type of policy is the 1 day car insurance policies available from a small number of specialist insurers in the UK.
Short term cover allows you to insure yourself to drive a car for a short period of time. The idea is that if you only need to drive a car or van maybe just for the day, a weekend or even a week you can now do so legally with the appropriate cover.
Before the advent of this type of car insurance many people would drive cars that they were not insured to drive illegally. Many people would not realise that they were not covered as many people assume that there own policy or that of the car owner if they are driving someone else's car would cover them. In most cases you would not be covered.
Many insurers used to provide third party cover for customers who already had a fully comprehensive policy with them. This allowed their customers to drive other peoples cars on a third party basis only, many insurers have now stopped doing this as it has become too costly.
So if you imagined a situation where a daughter wanted to borrow her parents car as she was going to the coast for the weekend. The parents could add her to their policy but this would mean she was added for the whole of the term of that policy which means the increased cost to cover that period. If she were to have a prang in the car over that weekend it would be the parents that lost their no claims discount greatly increasing the cost of their car insurance for the future.
Instead of adding someone to your policy you can insure them on a separate temporary policy just for that weekend. You can sort this out online and the cover would be effective immediately, either the parent or the daughter could pay for the temporary cover. The daughter would be insured to drive the car for the weekend and if she did happen to have an accident the parents policy would be protected as the claim would be made on the 1 day car insurance policy.
Short term cover is useful in many other situations and can be used to insure yourself or someone else to drive a car or a van. It is easy to obtain cover quickly online and you do not have to wait for the documents to arrive in the post as it is all done electronically.
Find out how you can get low cost 1 day car insurance and the benefits of this type of cover at http://www.1daycarinsuranceuk.co.uk/
Article Source: http://EzineArticles.com/?expert=Martin_Keen
Short term cover allows you to insure yourself to drive a car for a short period of time. The idea is that if you only need to drive a car or van maybe just for the day, a weekend or even a week you can now do so legally with the appropriate cover.
Before the advent of this type of car insurance many people would drive cars that they were not insured to drive illegally. Many people would not realise that they were not covered as many people assume that there own policy or that of the car owner if they are driving someone else's car would cover them. In most cases you would not be covered.
Many insurers used to provide third party cover for customers who already had a fully comprehensive policy with them. This allowed their customers to drive other peoples cars on a third party basis only, many insurers have now stopped doing this as it has become too costly.
So if you imagined a situation where a daughter wanted to borrow her parents car as she was going to the coast for the weekend. The parents could add her to their policy but this would mean she was added for the whole of the term of that policy which means the increased cost to cover that period. If she were to have a prang in the car over that weekend it would be the parents that lost their no claims discount greatly increasing the cost of their car insurance for the future.
Instead of adding someone to your policy you can insure them on a separate temporary policy just for that weekend. You can sort this out online and the cover would be effective immediately, either the parent or the daughter could pay for the temporary cover. The daughter would be insured to drive the car for the weekend and if she did happen to have an accident the parents policy would be protected as the claim would be made on the 1 day car insurance policy.
Short term cover is useful in many other situations and can be used to insure yourself or someone else to drive a car or a van. It is easy to obtain cover quickly online and you do not have to wait for the documents to arrive in the post as it is all done electronically.
Find out how you can get low cost 1 day car insurance and the benefits of this type of cover at http://www.1daycarinsuranceuk.co.uk/
Article Source: http://EzineArticles.com/?expert=Martin_Keen