To compare temporary car insurance quotes you need to consider several aspects, including the price, the cover level, the policy excess amount and the reputation of the insurance company when dealing with claims. A temporary car insurance supplier should offer you a comparison of different products from different insurers at different prices with all the factors, price, cover level, excess and information about the insurer shown in a comparison table. From the comparison table you should be able to choose the best option for you. The important bit is that you are getting the cover you need, so check all the policy details and exclusions before choosing any short term insurance provider. Here are the main points to consider when comparing temporary insurance quotes:
The first and most obvious factor to consider when comparing temporary car insurance quotes is the price. All other things being equal this would be the main factor in what influences what quote you are most likely to purchase. The cheaper the policy the more likely you are to be willing to buy it. But consider that price is sometimes an indicator of other factors such as lower coverage or poor customer service so it is important to consider all of these factors.
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Okay so you are happy with the price, perfect. But hang on a minute, this cheapest policy barely offers any cover at all! It is incredibly important when comparing quotes from multiple temporary insurance companies that you look at the level of cover you are being offered. While most temporary providers offer comprehensive cover these days it is important to consider this and to check their acceptance criteria and their pay-out limits. All insurance companies will have maximum payouts for certain scenarios so make sure this is something you are happy with.
It is very important that you check the acceptance criteria for the driver and the vehicle before taking out a temporary car insurance policy, as you need to check that yourself and the vehicle are eligible for the temporary cover with that insurer. All insurance companies will have similar but slightly different acceptance criteria and they can be a pain to read through, but better to read it before buying it and then having your insurance voided because you were not eligible for cover in the first place.
It could be the cheapest insurance policy in the world but if the excess is sky-high it is barely worth it for you to have. Excess is the amount you would pay towards the first part of any damages incurred in an accident, and you should compare these with other insurance companies to make sure you are happy with your liability in the event of an accident. Some companies even allow you to choose your excess or offer excess protection to cover your excess if you want the total cost of your excess to be covered.
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Another important factor to consider is the company reputation, its reviews, and its customer service. The last thing you want is to have purchased a cheap temporary car insurance policy but then have a nightmare experience if you have to contact their customer service or have to make a claim. Trustpilot is a trusted source of reviews so you can have a look there to compare the reputations of temporary insurance companies amongst their customers.
In the event you no longer want or need a temporary insurance policy but you have already bought it, it would be a good idea to know in advance the cancellation and refund policy for that temporary insurance provider. Most temporary car insurance policies are non-refundable, so keep this in mind prior to purchasing. However some temporary car insurance companies may allow adjustments, or a change in start date if you contact them soon enough, before the policy has started.
There are a multitude of factors to consider when comparing temporary car insurance quotes that can make it very complicated for potential customers to make the right decision for them. These 6 steps are there to make sure you take into account the most important differentiators between different temporary providers, so you can make an informed decision of what temporary car insurance quote is best for you.
You can find out more about purchasing temporary car insurance online here.
