OK, the data below refers to the USA, go here for UK short term car
insurance details ....
Short term car insurance allows a driver to take out a policy on a
vehicle that they don't want to keep in place all year long. There
are many different reasons that a driver might choose to do this. As
an example, if they own a car that they do not use during certain
months of the year, there is not reason to insure it for the entire
year. Perhaps they live in an area where the winter season lasts for
a long time, and one of their cars simply can't make it in the snow.
During this time, there is no reason to keep the vehicle insured.
Short term car insurance is the answer to the problem.
Another example would be if you were borrowing somebody's car for a
few weeks or months. If your car were in the shop for repairs, and
you needed to use somebody else's car during that time, it would
make sense to sign up for car insurance so that you wouldn't be held
liable for any damage you might cause to the car while you are
driving it. Even so, it wouldn't make a great deal of sense to sign
up for a long term insurance policy if you were only going to use
the car for a few weeks or months. You can sign up for short term
car insurance so that the car is only covered while you are
borrowing it. Short term car insurance can cover a period as short
of a day if you want it.
If you live in an area that has seasonal storms, it makes sense to
protect your car from possible
damage. For example, if there were a flood season, you might want to
make sure that the car is
protected from damage that could occur as the result of a flood. At
the same time, it wouldn't make
as much sense to pay for that insurance during months when flooding
is rare or virtually nonexistent. It would only make sense to pay
for insurance to protect the car when flooding was unlikely. The
same would be true for protecting it from hurricane damage, for
While it is true that rental cars come with insurance, the insurance
is not necessarily ideal. You
might want to purchase insurance that is more comprehensive that
that offered by the rental car
company. One of the primary reasons to do this is the fact that the
insurance provided by the company usually only protects the car if
the person who is renting it is driving the car. There are many
circumstances in which a larger number of people might wish to drive
the car. This is especially true if the car is rented for a long
road trip. As the driver, you will likely want to take a break and
let somebody else drive. If you want to be insured while you do so,
you will most likely need to sign up for short term car insurance in
order to do so.