Temporary Car Insurance

Temporary Car Insurance

Every year we go to Spain for 3 weeks. We have two dogs and a cat and their welfare posed quite a problem, not only in regards to their welfare but the kennel fees can quickly build up. Luckily for us two of our friends in Spain are quite happy to spend 3 weeks house-sitting for us. They love animals and were quite happy to look after our pets.

We also made our Volvo estate car available to them. This meant that I had to arrange temporary car insurance so they could drive my car. Arranging temporary car insurance cover seemed a daunting process to embark on. I imagined a lot of red tape and the obtaining of documents from Spain. Nothing could be further from the truth. The process for this type of short term car insurance was quite simple and was all done over the telephone.

Best Car Insurance Cover

We decided stick with our usual insurers because it was easier with a car insurance company that we were familiar with. No doubt we could have shopped around but this way was much more convenient for us. We only had to provide details of the full name and date of birth of the proposed driver, together with details of her driving history in order to get the best car insurance cover.

Temporary Car insurance under 21

The cost was minimal and was worth the effort. This would have been more expensive if it was car insurance for young because the car insurance price goes up for very young drivers. What you normally then get from the insurance broker is a temporary Insurance certificate which can be a 1 month insurance.  It is obviously a legal requirement that other people who drive your car are properly authorise and insured to drive with the proper car insurance coverage. Having organised the new car insurance, we were then able to enjoy our holiday abroad. It gave us peace of mind and left us free to get on with our life in the sun.

Insurance Brokers

On our return home we made a fuss of our lovely pets and inspected the car for any accidental damage, just in case we had to make an insurance claim. But every thing was OK. All that was left for us to do was to contact our insurance brokers to cancel the temporary car insurance and to revert back to normal. This last action is not strictly necessary, you could let the certificate run its course. But for us, this kept everything neat and tidy.

Some Insurance tips

Check your ‘No claims Discount. The length of your no claims discount is one thing that insurers check on and use to calculate how likely you are to make a claim. The longer your no claims the better is is for the insurer because it means less risk for them, and it will get you a bigger discount. They will ask to see your most recent insurance certificate which will show the amount of no claims that you have.

Car Insurance Advice:Voluntary Excess

If you have a higher voluntary excess, this will lower your insurance premiums. However,you need to consider this carefully because you risk paying a higher excess if you make an insurance claim.

• Make sure your job is categorised properly because it is taken into account when calculating your premium.
• Check security features on your vehicle
• Where you store your vehicle overnight is also important. It is best that it is not parked on the road.
• Shop around and compare quotes.

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1. Young car insurance