Insurance companies may offer three-month insurance coverage for vehicles and health, notes About.com. Short-term auto and health policies are not meant to replace long-term plans but to fill gaps in insurance needs.
People between policies who need to continue driving, college students home on breaks, and those insuring rental cars for a trips, taking temporary possession of a vehicle or driving away newly purchased automobiles may purchase short-term auto insurance, states About.com. People who need short-term insurance should compare policies from several different companies and check with their current insurance agents. Insurance companies will generally only offer a short-term auto insurance policy to someone with a valid drivers license for one year, no more than six penalty points or one fault claim in the last three years, and no prior revocations or disqualifications.
Insurance companies offer short-term health care policies to people who are between policies, such as those who lost their jobs or are switching from one policy to another, notes About.com. Short-term health insurance can be relatively inexpensive; however, these policies normally have high deductibles and may not cover things such as pregnancy or routine care. People who purchase three-month health insurance plans that do not meet the criteria of the Affordable Care Act are subject to penalties for not carrying the proper insurance, as of 2015.