Temp car insurance is the kind of insurance that is usually valid between 1 to 28 days, or 1 to 8 months. This type of insurance is useful in situations where a new driver is driving your car, and you can get the car insured only for that specific period. There are a number of advantages of having temporary car insurance.

What is temp car insurance

Based on the policyholder’s requirements, temp car insurance will be able to provide cash cover for liability, or a comprehensive cover. Short term car insurance policies are also pretty inexpensive. There is no need to pay premiums during the period when the insured facility is not being used. This is particularly useful for those who are not regular drivers. They can go for a direct payment service which allows the temporary car insurance policy to be activated, and the premium is needed to be paid only when the car is used.

Temp car insurance protection

Temp car insurance also gives protection like third-party liability or comprehensive coverage. The main reason why a driver opts for temporary car insurance is when he or she is driving a leased or rented car. In the United States, it is usual for the car rental company to have already integrated temporary insurance into the package. However, there are many countries outside of the United States where car insurance is optional.  Though the first impulse may be to save a few bucks and forget about the insurance, it is always advisable to opt for temporary car insurance while driving on foreign soil. The unfamiliar terrain road rules are all the more reason that you must get adequate cover. Also, you must remember that even if the car rental or leasing company provides insurance, it usually covers only the car and third-party liability, not the driver and passengers. This is where the temporary coverage will come to your rescue.

Why you need temp car insurance

If you are borrowing a friend’s car, then you must remember to get temp car insurance. This must be done even if you are covered under a long-term insurance policy. The reason why you must do so is because you get involved in an accident while using a borrowed car, the temporary coverage will take care of the damages, without causing a dent on your personal policy. Hence, your long-term policy remains intact, which is especially helpful when it is up for renewal.

When there is no need to pay premiums throughout the year for something that is temporary to start with, temp car insurance is your best bet.