One Day Car Insurance’s Frequently Asked Questions Explained

Are you interested in getting one day car insurance for a special business trip or vacation? Is this insurance available with your current company? Do you need to compare more quotes before making your best decision?

Most people doubt the fact that they can actually get auto insurance for a single day and enjoy coverage that they usually get with their traditional annual policy. You can purchase this temporary insurance for just a day or two or even up to 28 days or a month depending on the terms and conditions of every insurance company. This is ideal for people who rarely travel by car for the whole year. It is even beneficial when visiting other places that are not covered with your regular car insurance plan.

I have here some of the frequently asked questions to help people clarify some basic and advanced issues regarding one day car insurance.

• Do I need to be a resident of the UK to purchase single day auto insurance?

Some companies require you to be a resident of the UK while others may allow you to purchase it even if you come from the US or any other country that is covered by their terms and conditions. The required documents include your valid driver’s license, social security ID, credit cards, travel proof and some other financial records.

• Can I use the policy for import/export cars?

No, you cannot use one day car insurance for imported or even exported cars. The import/export car business have its own terms and conditions regarding auto insurance as governed by the state or country that the industry deals with. Some auto insurance companies will not even allow you to get this single day insurance with your rented vehicle.

• What types of vehicles are covered with the one day car insurance policy?

Vehicles under this very convenient car insurance policy must not have more than 8 seats with the maximum weight of about 3.5 tons. It must also have a current market value below 75,000 GBP.

• What type of coverage can I actually get from a single day car insurance policy?

It is a privilege to know that you can actually enjoy the benefits of a traditional annual insurance while paying less since you will only insure your vehicle for a day or two based on your travel issues. This includes the Basic Liability and Collision insurance, property damage, personal injury and coverage vehicle. This may actually vary from the insurance company’s terms and conditions. Compare quotes and examine differences carefully before making a purchase.

• Do I need to have an outstanding character or cleared police record in purchasing one day car insurance?

Yes, it is a requirement that the driver of the vehicle must be of good moral character, without more than 8 penalty points and no police record of reckless driving due to drugs or alcohol in the past 3 years.

Other Vehicle Issues

Your vehicle must not also be subject to faulty actions as carrying illegal drugs and toxic goods that may cause harm to a particular location. The car must not be used for hire or for public transportation purposes. One day car insurance does not even allow the use of a particular car to retrieve impounded vehicles.

Finding One Day Car Insurance

If you are contemplating lending or borrowing a car from a friend or someone in your family, you should consider buying a one day car insurance policy, a relatively new and easy way to insure the vehicle to protect the drive from liability in case of an accident. Even if you think between the two of you, your individual insurance policies should have you covered; you might want to check into that to make sure there are less claims and animosity to deal with should something go wrong. If you think this might be an option for you, and you’re wondering just how to go about getting this type of insurance, just read on and I am going to tell you how to do this the smart and easy way.

  1. Know the facts. What you are going to need to know to start requesting quote and considering options are the answers to all the questions you will be asked. You need to know the names, birth-dates and address of all parties involve; the license number, make, model, age and VIN of the vehicle, everyone’s driver’s license number and possibly the primary insurance carrier’s information.
  2. Go online for quotes. Start your search with one day car insurance and you will find a complete list of companies that offer this type of insurance. Make a list of the insurance companies that you would like to get quotes from and then just start filling out the quote request forms with the information you gathered. Sit back and wait for the quotes to appear.
  3. Widen your search. You can widen your search for a list of insurance companies by visiting a website such as mytemporaryinsurance.com where you find links leading you to many of the top insurance companies. Here you see a variety of different companies you may not have considered before. Quotes are free, so get as many as you want.
  4. Call your local agent. Don’t forget to call your own agent or one of the more popular independent agents in your area. Your insurance agent will appreciate your continued business and you may be rewarded with a preferred rate that the online companies can’t beat, but you won’t know you try.
  5. Pick your provider. Once you have gathered all your quotes it is time to compare content and price and make a decision, choosing which policy for your one day car insurance you want to buy. Be careful just making your decision based on the cost alone. That can backfire on you if things go bad on the road. Make sure that the policy you have chosen has high enough limits on liability and damages, and don’t forget about something covering medical costs in case someone gets hurt. A good rule of thumb is get at least a little more than you think you’d need. You may think this is a lot of work for a one day thing, but having an accident while uninsured, sucks.
  6. Pay for it. Now that you have made your decision, and picked the policy for you, simply use your debit or credit card to pay for the policy online. You can most certainly purchase this from a local agent for check or cash and sometimes if you are buying one day car insurance from your own insurance agent they will just add it on to your monthly bill and you just pay it along with your regular premium payment.
  7. Don’t forget the proof! Don’t log off without getting a policy and or confirmation and proof of insurance. That information will probably come to you via email so you can just print out an insurance card immediately. Make copies, one for your wallet and one for the glove box and one for the other party. That way there is no frantic searching for “who’s got the card” while a cop stands waiting.

There is no good time for an accident, but there is no worse time for one if you don’t have insurance and you aren’t driving your own car. Just because you are only going a short distance or for a day or two, don’t think it can’t happen. They used to say that most accidents happen within 25 miles of home.

A one day car insurance can be purchased for a number or reason, the most frequent are reasons are travel, moving and test driving cars you are either buying or selling. If you are going across state lines to a neighboring state or further it is good to be able to have a policy that takes into consideration the laws and requirements change from state to state, so you can just relax and enjoy a safe trip. That’s where the flexibility of one day car insurance really works.

When can you go for the cheapest insurance available?

When the cheapest price is the smartest price. Those are times when you need just a minimal amount of extra coverage and buying all the options is overkill. Prime examples are when you’re driving someone else’s car that is insured, but not specifically for you; when you are headed into another state where the legal requirements for minimum insurance coverage is higher than the policy you have in your home state; when you have purchased a different car and you want to take couple of days making a decision on the long-term coverage you want to buy, but you’ can’t wait to drive the car.

When you are shopping for the cheapest one day car insurance, just like shopping around for the more extensive policies, the competing companies will be making their offers according to the information you provide them. Look around a little and you can probably find some websites that take your information and send it out to multiple companies.

Full disclosure and honesty

Having the option to be able to purchase one day car insurance is great, because it is a win/win situation all around. If you are thinking about cutting corners and just going through the motions because someone else is watching be very careful. You must be honest and up front about what it is you are planning to do with the unfamiliar vehicle that you are taking responsibility for when you are filling out applications or answering the company’s questions on your applications. Omitting information or just plain lying to an insurance representative to contract their services on a policy that is meant to protect you from harm does not turn out well should anything go wrong. You have to let them know if other people might be driving or if you are traveling out of the state where laws could be different. That way you will satisfy the legal issues and protect your self. No one plans to go out and have an accident, but to chance it and risk everything is just wrong especially when there is a solution to this only a few questions and clicks away.

One Day Insurance For Your Car Can Provide Good Coverage

There are many reasons that people decide to change their existing auto insurance coverage to one that is less expensive and less complicated. One choice that many people across Europe have been making is switching to one day car insurance policies from more expensive, annual ones. There are a lot of different reasons that people end up wanting to get this type of coverage. Anytime that you use a car that you do not personally own, you are not going to want to get a full time coverage plan. Instead, you will be more likely to purchase a short term plan that costs less and that sounds rational.

In larger cities where there are alternative modes of transportation other than driving your own car, many people do not even want to get insurance. If those people decide to drive for a single day, then they will likely contact an insurance agent and set up a one day coverage policy. There are always going to be weird situations that arise in which you may need to drive. Even though you may feel as though your chances of getting into an accident are very low, it is still wise to have insurance. The insurance companies are not going to rip you off with one day policies, in fact, they are very reasonably priced.

The amount of cash that you would be required to pay to another party if you got into a crash with them would definitely outweigh the cost to buy daily car insurance. If you are a person that lives in London, UK and you frequently travel by bus, then it makes absolutely zero sense to have an insurance package for your car (even if you own one). However, if you do decide that you want to take your car out on the road instead of riding the bus a couple of days, you can phone an insurance agent and set up one day insurance for your car.

The single day auto insurance options are going to be very easy to figure out. You basically can set up the exact type of coverage you want (e.g. whether you want the most comprehensive daily coverage or the standard) and then negotiate plan. The nice thing about 1 day car insurance is that it is affordable and very easy to work with. If you have found that your insurance provider does not offer this type of coverage, ask for more details regarding their short term coverage options and you may be able to work out a customized policy that is tailored to what you need.