Drive it Safe with Short Term Car Insurance
Posted By Admin JHS on January 12, 2012
Conventional Car insurance policies have a fixed one year life time. This covers you and your vehicle for almost all the incidents that occur in our daily lives. But sometimes we may have to go an extra mile. You may not be using a car for a one full year. You might be using your friend’s car when he is away on a vacation and you should be insured to drive the car. Or you have fallen sick and someone has to drive the car for you and the other person has to be insured to drive your car. In such cases, you don’t have to buy a full one year insurance policy but having insurance is very important. This is where the Short Term Car Insurance comes very handy as it offers you a quick coverage during emergency conditions.
Many people have not heard about Short Term Car insurance and they think that yearly insurance policies are the only ones that are available in the market. Short term insurances are less heard of because very few insurers are offered short term policies. But this is confined to the past now, because with the revolution in insurance sector many companies are offering Short Term Car Insurance which usually last for 1 to 28 days. Sometimes, they even go beyond up to 6months depending on the driver’s need.
The short term policy is just like one year insurance policy. It covers physical damages of the driver and passengers involved in the accident. It covers damages to the car and also to the other car involved whether the other car has insurance or not. It is your responsibility to protect yourself, family and friends from legal intricacies and expensive legal ramifications when we are involved in an accident. Your Insurance Company allows you to add short term policy to existing full year insurance policy. Temporary insurance can also be bought when you have got yourself a brand new car and couldn’t get a full coverage sorted out. You can get short term insurance for few days and safely drive back from the dealer. But, it should be remembered that Short Term insurance is not a substitute for permanent insurance. This short term policy is given in addition to the traditional one year insurance policy. It can be cancelled after you are done using it.
Short term policies are easy to obtain. There are many companies that offer you temporary policies. You can get temporary insurance through internet. You can fill the application online; select the type and duration of insurance you need, pay the premium by debit card or credit card. You need not have to wait for the documents either, you can download it and print it at your home or office and drive away immediately fully secured and insured. Almost all the insurance companies have a 24 hour hotline number; you can contact the agents to help you in explaining the procedure and granting you a quick and hassle-free temporary insurance. The cancellation procedure is also easy. You can write to them to cancel your policy. Immediately after receiving the documents, the policy will be cancelled. The refund procedures are different for different companies and the policies.
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