Most car insurance polices offer cover for 12 months, but what if you only require cover for a shorter period of time? This is where short term car insurance, also known as temporary car insurance, can be useful.
While moneysupermarket.com doesn't currently offer a comparison of short term policies we still want to make our customers aware of all the car insurance options available. So, just what is short term car insurance and how does it work?
How does short term car insurance work?
Adding someone to your existing car insurance policy, such as a visiting friend or relative, can be risky because they could wipe out your no-claims bonus. However, by setting up a short term policy, whether it is monthly car insurance or daily car insurance, they can legally drive your vehicle without putting your discount at risk.
In addition, you may need to drive someone else's vehicle. By setting up short term car insurance you can cover yourself even if you only need protection for one day.
So with short term car insurance there is less risk to the standard policyholder, instant cover is available and setting up a policy is often quicker than adding a named driver.
Get a new car insurance quote now
(please note, we are currently unable to offer short term car insurance).
Why would you need short term car insurance?
Short term car insurance is ideal for a number of people including:
* Those hiring a car or borrowing a friend's vehicle.
* Temporary additional drivers, which could include overseas visitors.
* Those lending a car to a friend or relative.
* Drivers who have just bought a new car and need cover as soon as they drive away from the dealership, but who haven't yet had chance to sort out an annual policy.
What to look for in a short term car insurance policy.
Most short term car insurance policies are available for a period of one to 28 days. You should pay close attention to the period you are securing the car insurance for and you should enquire as to whether you can take out a new policy at the end of the term if you require it.
Temporary car insurance is available to anyone with a UK driving licence, although there may be a minimum age limit. Some temporary car insurance companies will also cover people with European or other driving licences, but don't assume that is the case - always check.
As with any standard car insurance policy you should pay less for premiums if you have a good driving record although the type of vehicle will also have an impact on the cost, with high performance cars costing more to cover than those with a small engine. For cheap short term car insurance shop around online as a number of specialist providers are available.
Rabu, 14 April 2010
Minggu, 11 April 2010
Churchill Legal Assistance Service
Churchill Legal Assistance Service
1. How much cover does Churchill Legal Assistance Service (CLAS) provide?
CLAS will provide for up to £100,000 of legal costs to help you to recover uninsured losses that cannot be claimed from any insurance policy, these include:
1. Compensation for injury or death
2. Your excess
3. Loss of earnings
4. Compensation for damage to your personal belongings (if you do not have Comprehensive cover)
2. Does my policy include Churchill Legal Assistance service?
CLAS is not automatically included in your policy, it is an optional extra which you can buy in addition to your car insurance for as little as £2.02 a month.
3. When can I use Churchill Legal Assistance Service?
If you have bought CLAS, the cover can be used following any road traffic accident involving your car which is not your fault. We will pay the legal costs of appointing a solicitor to help recover any uninsured losses.
4. If I buy Churchill Legal Assistance Service, who would be covered?
CLAS provides cover for all drivers named on your current Certificate of Motor Insurance and for any passengers travelling in your car at the time of the accident.
5. Would Churchill Legal Assistance Service cover me in my other car?
No, CLAS can only provide cover for the car described in your current Certificate of Motor Insurance.
6. Would I be covered by Churchill Legal Assistance Service if I go abroad?
CLAS provides cover within Great Britain, Northern Ireland, the Isle of Man, the Channel Islands and any other country described in your current policy booklet.
7. Would I be covered by Churchill Legal Assistance Service if the driver at fault leaves the scene of the accident without swapping details?
It is important that you take the driver’s details, their vehicle registration number as well as the make and model. The details of the driver responsible for the accident are necessary if we are to recover your losses from them.
8. Will you pay compensation under Churchill Legal Assistance Service if I am injured as a result of a road traffic accident and unable to work?
If you are involved in a road traffic accident which is not your fault we will pay the legal costs of recovering compensation for any injuries received and any loss of earnings sustained.
9. If I need to use Churchill Legal Assistance Service are there any additional costs other than the annual premium?
No, you only pay the annual premium. All expenses related to your legal claim are covered by the policy.
10. Do I need Churchill Legal Assistance Service if I know a solicitor?
CLAS will pay the other side’s costs if you lose as well as any expenses relating to your claim, such as medical reports and counsel’s opinion.
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Guaranteed Hire Car
1. What is Guaranteed Hire Car?
Guaranteed Hire Car is available on your comprehensive motor policy for a small extra premium. The additional benefits include:
1. A replacement car for repairs and for total loss or if the car is stolen
2. A hatchback or similar with an engine size of at least 1000cc
2. Who does Guaranteed Hire Car apply to?
It applies to all drivers insured under the policy.
3. Can I use Guaranteed Hire Car more than once a year?
Once purchased Guaranteed Hire Car can be used whenever a valid claim is registered. There is no limit to the number of times it can be used in one year.
4. Will my No Claims Discount (NCD) be affected?
Guaranteed Hire Car as a product will not impact NCD, however it can only be used when a valid claim has been registered which may impact NCD.
5. Do you provide a hire car for disabled drivers?
We will endeavour to provide disabled drivers with a suitable hire car. If we are unable to provide a suitable hire car, we will pay travel costs up to the amounts stated in the relevant section of your policy booklet.
6. Do I have to pay an excess if I have an accident in the car?
An excess will be payable if you have an accident in a hire car provided under the Guaranteed Hire Car option. You will pay the current level of excess on your policy. Please refer to your schedule for your details of windscreen excess.
1. How much cover does Churchill Legal Assistance Service (CLAS) provide?
CLAS will provide for up to £100,000 of legal costs to help you to recover uninsured losses that cannot be claimed from any insurance policy, these include:
1. Compensation for injury or death
2. Your excess
3. Loss of earnings
4. Compensation for damage to your personal belongings (if you do not have Comprehensive cover)
2. Does my policy include Churchill Legal Assistance service?
CLAS is not automatically included in your policy, it is an optional extra which you can buy in addition to your car insurance for as little as £2.02 a month.
3. When can I use Churchill Legal Assistance Service?
If you have bought CLAS, the cover can be used following any road traffic accident involving your car which is not your fault. We will pay the legal costs of appointing a solicitor to help recover any uninsured losses.
4. If I buy Churchill Legal Assistance Service, who would be covered?
CLAS provides cover for all drivers named on your current Certificate of Motor Insurance and for any passengers travelling in your car at the time of the accident.
5. Would Churchill Legal Assistance Service cover me in my other car?
No, CLAS can only provide cover for the car described in your current Certificate of Motor Insurance.
6. Would I be covered by Churchill Legal Assistance Service if I go abroad?
CLAS provides cover within Great Britain, Northern Ireland, the Isle of Man, the Channel Islands and any other country described in your current policy booklet.
7. Would I be covered by Churchill Legal Assistance Service if the driver at fault leaves the scene of the accident without swapping details?
It is important that you take the driver’s details, their vehicle registration number as well as the make and model. The details of the driver responsible for the accident are necessary if we are to recover your losses from them.
8. Will you pay compensation under Churchill Legal Assistance Service if I am injured as a result of a road traffic accident and unable to work?
If you are involved in a road traffic accident which is not your fault we will pay the legal costs of recovering compensation for any injuries received and any loss of earnings sustained.
9. If I need to use Churchill Legal Assistance Service are there any additional costs other than the annual premium?
No, you only pay the annual premium. All expenses related to your legal claim are covered by the policy.
10. Do I need Churchill Legal Assistance Service if I know a solicitor?
CLAS will pay the other side’s costs if you lose as well as any expenses relating to your claim, such as medical reports and counsel’s opinion.
Top of page
Guaranteed Hire Car
1. What is Guaranteed Hire Car?
Guaranteed Hire Car is available on your comprehensive motor policy for a small extra premium. The additional benefits include:
1. A replacement car for repairs and for total loss or if the car is stolen
2. A hatchback or similar with an engine size of at least 1000cc
2. Who does Guaranteed Hire Car apply to?
It applies to all drivers insured under the policy.
3. Can I use Guaranteed Hire Car more than once a year?
Once purchased Guaranteed Hire Car can be used whenever a valid claim is registered. There is no limit to the number of times it can be used in one year.
4. Will my No Claims Discount (NCD) be affected?
Guaranteed Hire Car as a product will not impact NCD, however it can only be used when a valid claim has been registered which may impact NCD.
5. Do you provide a hire car for disabled drivers?
We will endeavour to provide disabled drivers with a suitable hire car. If we are unable to provide a suitable hire car, we will pay travel costs up to the amounts stated in the relevant section of your policy booklet.
6. Do I have to pay an excess if I have an accident in the car?
An excess will be payable if you have an accident in a hire car provided under the Guaranteed Hire Car option. You will pay the current level of excess on your policy. Please refer to your schedule for your details of windscreen excess.
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