Most car insurance policies are still sold for twelve months. However, to accommodate the growing trend for flexibility required by drivers today, insurance cover can now be secured for as little as one day.
Short term automobile insurance is often classed as policies ranging from one to 28 days. However, now a few different insurance providers offer flexible cover for between 1 to 6 months.
Flexible policies for one month or more are even available for drivers on a pay as you go basis. This gives the benefit of not having to pay for insurance when it will not be required.
There are several scenarios where 1 day insurance may be appropriate. One of the most popular is making sure you are insured when borrowing a friends motor. Although you may be able to drive another vehicle on your annual policy, taking out an additional policy for this could protect any no claims bonus built up. This could be a good option for careful drivers.
Another reason temp car insurance is taken out is to provide insurance for an additional driver so driving can be shared on a longer trip or vacation.
Insuring an overseas visitor while they are here to drive is another popular reason. As is requiring insurance for 24 hours when buying a new car and needing to drive it home. Taking a test drive and requiring insurance for a day can be another situation.
Several drivers of vans will either be hiring or borrowing the vehicle. This is where one month van insurance can be very useful, if you are borrowing a van to move house or for other needs.
For those bikers that are planning a summer road trip or perhaps attending a biking convention or meet-up, temp insurance could be useful if the motorbike you are riding is not one you use regularly. This could be beneficial if they will only be using the motorbike while they are away.
