Finding the best policy to suit YOU.

Do I need short term car insurance?

When most people think of auto insurance they have in mind the annual policies that are renewed once a year.

A short term car insurance policy is similar to an annual insurance policy, but typically cover periods lasting from one to 28 days. Consumers generally buy short term car insurance when they will be driving cars not covered in an existing policy or when other people will be driving one of their vehicles.

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In some cases, your present insurance policy may cover such short term situations, so you may not need a new insurance policy However, depending on the circumstances, you still may want to consider the extra coverage provided by short term insurance.

Driving other cars

If you will be driving a friend to the airport in the friend’s car, or you will borrowing your co-worker’s van to move your household goods, you may want to consider obtaining short term car insurance.

Another common situation occurs when friends go on a trip together in one person’s car, and they all take turns driving. While the existing policy of the car owner may cover any damage to the vehicle in case of an accident, it may not cover the liability of the other drivers.

Other people driving your car

If a friend wants to borrow your car, will your insurance protect your vehicle in case of an accident? Will you be liable for any damage to other cars involved in the accident or for personal injury to others?

You may be surprised to know that if your car is not in acceptable condition when you lend it out to friends, that you could even be liable for personal injury to those friends if an accident occurs due to the vehicle’s poor condition!

What if the car will only be used for a day?

While it may seem excessively cautious to obtain insurance coverage when the driving period is only for a day or less, think of the possible risks involved.

When you rent a car for a day, do you purchase insurance to protect yourself? Most people choose to buy insurance for vehicle rentals regardless of how long they use the vehicle.

You can apply the same logic to borrowing someone else’s car or letting someone else borrow your vehicle.

So do I need short term car insurance?

The first thing to figure out is how much cover you have from any existing insurance policy. If you do not have coverage for other people driving your car, or for your own driving of other people’s cars or for driving courtesy vehicles, then you definitely should consider a short term policy.

Even if the driving period will only last a day, you really are better off when you are protected from the risk of an accident.

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