My views on short
term car insurance
So, short term car insurance. What is its
purpose? My first experience taking out short term car insurance was for a road
trip with a couple of friends to a music festival. We were taking my friend’s
car, but it was a long journey so it only seemed fair to split the driving
between the three of us. I’d recently passed my driving test, and my other
friend had passed years before but didn’t own her own car. The cost for a few
days cover was surprisingly reasonable – far less than the cost of train tickets
to our destination instead!
Arranging the cover went pretty smoothly, we ordered the policy online a week
before to arrange the cover, and received the appropriate documents in swift
fashion. There was one blip – my friend, whose name is obviously female, was
listed as a Mr on the documents! In hindsight we probably should have got this
corrected, but at the time we let it slide, finding it fairly amusing instead.
Suffice to say, we referred to our friend as Mr. Kath the entire weekend…
The drive down was almost without incident, though there was a scary moment
where one of us ran out of feeder lane on the motorway – no one would let us
out! My friend managed to go from 0-70mph in a time I wouldn’t have thought
possible, but it was a bit touch and go for a minute there!
Short term car insurance is great for situations like ours – it meant we could
share driving duties whilst keeping down the cost. For anyone considering a long
journey with friends, it’s definitely worth investigating as an option. We had
thought about taking the train originally, but exorbitant ticket prices, coupled
with the idea of making a long journey back on public transport after a long,
potentially muddy, showerless weekend wasn’t exactly appealing.
Another purpose for short term car insurance is slightly more specific, but
there are options out there for learner drivers. The idea is that they can take
out insurance on their parent’s car for 1-30 days. My cousin used this option
when he was learning to drive, and it gave him great flexibility. There were
times when the family car was in use, so there was no point in him being insured
on it (as this would have also bumped up the yearly insurance significantly due
to his age and gender), but when it wasn’t, he could ring up and arrange the
insurance in minutes. It certainly worked out a lot cheaper than driving lessons
would have cost, and as my uncle is a good driver it seemed silly to pay someone
else to teach my cousin. In any case, he passed his test on the first time of
There are no doubt many other examples where short term car insurance can come
in handy. I certainly wouldn’t hesitate to use it again, and for those who can
drive but don’t own their own car, it’s a great option to have on hand.
Copyright Mary Peters 2013 All
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