Getting a car is a big deal and most young adults feel the need to have a means of conveying themselves around except those that have fear of driving. When planning the purchase of your car, car insurance must be included. Car insurance protects you from financial liability, prepares legal documents and covers repair costs in the case of an accident. It’s safe to say that the majority of car owners prefer the insurance of their car done yearly. If you are caught up in a situation where long term insurance is not applicable, don’t be discouraged; the short term insurance is just as efficient and effective. Short term car insurance covers your car for about 1-28 days. Short term insurance can never be used to replace a long term insurance policyal though both should cover the same risk. Check insure4aday for more detailed ideas.
Short term insurance is especially useful for the following people.
Learners
Learning to drive can be so much fun. Some people choose to learn to drive in their new cars. You may scratch your new vehicle while taking driving lessons, hence the need to get short term insurance like one-day insurance for your car aside from the on-going insurance plan you originally got. When you have insurance, you can drive without worry and be assured that any expenses in the course of taking lessons are covered.
No personal car
If you don’t own a car but you know how to drive and you get behind wheels when the need arrives, it’s ideal to get short term insurance to cover any expenses incurred while you were the one driving even if it’s just a one day drive. The car may belong to any member of your family or your friend who allows you to take their car out or even a neighbour that trusts you with their car.
Not a regular driver
You may have a car but rarely drive it; maybe you just prefer to catch a bus or go with your company vehicle or hitch a ride from a neighbour, that’s cool. You may not consider insure4day necessary but have you ever stopped to think that what if, one fateful Sunday you go out for grocery shopping and right where it’s parked another car hits it causing dents and destroying some of the lights. Short term insurance covers the cost without you having to alter your financial plans to rectify the situation.
Coverage
A short term policy provides a third party option in the insurance plan. It allows you to add another person to the plan and even permits someone else to have an insurance plan for your car with your permission of course. The third-party can drive the car only for a limited period in which the insurance is in play.
Limitations
Short term insurance is simple but with a few limitations. Before choosing any policy, make sure you make extensive findings on what it offers and what it cannot cover. In most cases, this insurance cannot cover cars that are not in their original form. Also, some insurance companies shy away from imported cars. Despite these limitations, short term insurance gives you a sense of calm while driving.
