Fast Temporary Car Insurance provide short term car insurance for UK residents between 1 and 28 days.
Driving on any roads in the UK without some form of insurance cover is a very big crime. Should an accident that involves the vehicle that you are driving occur you will be in lot of trouble. If you need to use someone else’s car or if someone needs to use your car for a short time it is not economical to pay for full insurance cover. This is where temporary car insurance comes in. This cover will help you protect yourself from risks associated with driving the car in question until something more permanent can be arranged.
Temporary vehicle insurance usually covers people for one day to 28 days. Depending on how long you need to pay for the vehicle being covered you can opt to pay for the insurance daily weekly or monthly. This is a much better way of protecting yourself in the short term.
Insurance cover that is temporary in nature will only cover some of the biggest risks associated with temporary car ownership. If you want something more comprehensive you are going to have to buy the full insurance cover that is suited to your needs. Some of the risks that will be taken care of by temporary insurance for cars include protection from accidents theft and vandalism as well as fire.
It is important to note that the amount of money you will be paid once your claim is processed will be up to the market value of your car. It however will not exceed the insured amount. This money will be used to pay third parties that have been involved in the accident where necessary. You can also opt to take out additional insurance coverage to cover optional items within the vehicles such as the sound systems personal property and so on.
The money paid will be used for either repair or replacement of your car or alternatively you can opt to receive the cash amount for the value of your vehicle. It all depends on the extent of damage and injuries or what was agreed upon. In the event that a repair is needed temporary vehicle insurance will be used to take care of the damages based on the conditions set by the insurance service provider. This may mean going to a car dealer who has been approved by your insurance company.
While temporary vehicle insurance is mostly used to cater for periods of up to 28 days within the UK it is possible for you to get a wider coverage. In this case you will be required to pay an additional amount if you want to be insured while within other areas of Europe and beyond within the same period. This particular aspect of this cover comes in handy if you want to get a vehicle to travel in areas outside UK temporarily without hassles.
While it is important for you to know what is covered under your temporary vehicle insurance it is just as important to know what is not covered. This will help you avoid any repercussions later on. The normal wear and tear is one of the things that are not covered by this package. The same applies to normal maintenance costs or electronic failure. The service provider should cover costs of repair instead. If anything untoward happens and local authorities or governmental agencies confiscate your vehicle your temporary vehicle insurance will also not be of any use.
If you intend on driving another person’s car make sure you have this temporary insurance. The same rule applies if you intend on giving someone your car for a short while. This is because any one who drives the vehicle in question causes damages and has no insurance cover of this kind will not be held responsible for his or her actions. The owner on the other hand will be held both legally and financially liable. That is a not a good thing to happen to anyone.
Plenty of auto insurance companies within the UK usually offer temporary insurance cover; and getting one that suits your needs is your responsibility. Each company has its own rates as well as conditions and you need to opt for a service provider that is suitable for you. Take advantage of price comparison sites to shop around for the best daily weekly and monthly rates based on your age financial ability and location. A temporary insurance cover that will not affect the no claim discount on your main insurance policy should also be high on your priority list. It also helps if the selected insurance service provider will process your cover application very fast in the event of an emergency.
Before you sign on the dotted line ensure you read all the terms and conditions of your temporary vehicle insurance. This is the only way you can protect your interests. If you do your research right you will be able to get temporary insurance cover that provides great value for money.