If you only need short term cover you can get temporary car insurance to drive your own car. Some drivers only use their cars rarely, or maybe they just need short term insurance to fill a gap or until they have time to sort out their annual cover and temporary car insurance can offer the best solution in these situations.
These are the most common reasons you might need temporary car insurance to drive your own car:
Some car owners might find that they are using their car less and may find it more economical to purchase temporary car insurance instead of annual car insurance. Remember that if you are not insuring your car you do have to declare it off the road (SORN) for that period. When you do intend to drive it again you might decide that you are only looking to insure it for a short period and that temporary car insurance might be the best option.
Sometimes there might be a short period between one policy ending and the next policy beginning, and for this period people often choose to purchase short term insurance instead, to have continuous coverage. This can be convenient if you realise you do need insurance for that period perhaps when you were not originally intending to drive.
If you have just bought the car or not yet got round to getting an annual policy for it yet you might decide to purchase temporary car insurance before committing to a new yearly policy. This can give you the time and flexibility to make sure you find the best deal for you, whilst still giving you the comprehensive cover you need to be able to drive your car in the meantime.
If you know you’re going to sell your car you might not want the hassle of cancelling an annual policy or changing it over to a new car which can cause a lot of extra fees. Instead, you might decide that temporary car insurance will give you the cover you need until you sell the car, so you do not have the hassle of trying to cancel your annual insurance later and get back a partial refund.
If you have plans to move abroad before the end of an annual policy you might decide that buying an annual policy and then cancelling it will cost you a lot more than just having temporary car insurance until you move abroad. This can be a good solution for remaining insured for the period you need without any further commitments or worries about auto-renewing annual policies.
Whilst these are some of the most common reasons for purchasing temporary car insurance for your own car, there are a multitude of situations where you might decide that short term car insurance on a car you own is the best option for you.
InsureDaily offers a cheap, fast and simple option for any car owners who need immediate temporary car insurance. With documents emailed over immediately, it can be the perfect solution when you need cover on your car in a hurry.
If you’re looking to buying a new car, you might want to read more about Temporary Insurance to Buy A New Car.
