The type and variety of insurances that you can buy these days is a far cry from the limited options of the past. One of the latest incarnations is the temporary car insurance policy that allows you to take out cover for the short term. Essentially it now means that you can insure yourself to drive for a short a period as just one day.
This gives greater flexibility when it comes to insuring yourself to drive your own car or a car you are borrowing, hiring or test driving. This greater flexibility does not just extend to cars but also to insurance to drive a van or motorcycle. This is particularly useful if you want to drive bike or van where you usually drive a car. If you are driving another vehicle for a day or longer you can now get a temporary policy without having to mess about with your normal annual policy if you have one.
There are many different circumstances where a temporary car insurance policy would be useful. You may only need car insurance for two weeks as you are borrowing a friend or relatives vehicle, possibly to go away on holiday. Rather than getting yourself added to the car owners policy or amending your own main policy you can take out completely separate temp car insurance cover.
You may require insurance for a slightly longer period, a temporary policy can only be taken out for up to 28 days. If you need insurance for longer than 28 days you can take out pay as you go car insurance. This allows you to insure yourself to drive for a month at a time with a minimum of 1 months cover. You pay a monthly premium that you can stop at any point, there are no cancellation fees and no deposit to pay so it is much like topping up the credit on your pay as you go mobile.
There are several insurance companies that now provide these types of policy. You can take out cover instantly online, you need to enter some details and you will be given a quote based on your circumstances. You can then pay over the internet and you will be instantly covered. This type of insurance is available 24 hours a day and 7 days a week. There is no need to wait for your documents to arrive in the post before you can drive as you can print off a cover note straight away.