If you are looking for auto insurance, and need it without the hassles of an annual quote, temporary car insurance is just right for you. What is temporary vehicle insurance and what are the things you should look out for when you are opting for it?

Temporary insurance defined

Temporary car insurance is a type of short term vehicle insurance. It ensures that you receive cover for a period ranging between 1 and 28 days.

You can use the temporary cover for a variety of purposes. For instance, if you were driving a new car to its destination, and cannot afford auto insurance just yet, temporary car insurance would be just right for you.

What are the advantages of temporary car insurance?

• Well, for one, you get instant cover for your vehicle. You can receive an instant online quote from any of the sites and buy a policy.

• If you are getting your car repaired, and need covers for an additional car just now, temporary auto insurance is what you need.

• You can even get additional covers for multiple drivers. So, next time your friend or relative asks you for your car, insurance will not stop you from lending it to him!

• This is also a great way of claiming a no claims discount on your existing policy. Temporary car insurance on an additional car will not make a dent in your existing policy, even if you do make a claim.

What covers are offered under temporary car insurance?

There are a number of cover options. You can choose any of these depending on your conditions. For instance, you can choose a cover when you are:

• Test driving a new car
• Driving a new car home
• Renting a car
• Moving and carrying furniture
• Insure yourself while travelling on another persons' car

Am I eligible for temporary car insurance?

Anyone with a driving license that has been effective for at least a year is eligible for temporary auto insurance.

There are other preconditions which may vary. Some providers may insist on you having a certain amount of points on your driving license and not being disqualified in the last few years. There may also be a minimum value clause for the car you are insuring. You may also have to agree to a maximum amount that the provider will pay you in case of damage.

How to pay less for your temporary car insurance

• Cash in on any no claims discounts you may have received elsewhere. This will prove that you are less of a risk, and therefore help you in paying lower premiums.
• A clean driving record always helps you get better coverage terms
• Go strong on the security of the vehicle. More security results in lower premiums
• Always compare rates while buying temporary car insurance. An insurance provider with a reputation is always better than a dubious car rental service.