What Is a Temporary Car Insurance Policy?


Quick Answer

Temporary car insurance includes policies that offer shorter terms than traditional policies, though the benefits of coverage purchased by car owners are the same, notes About.com. Temporary insurance is not automatically renewable, and it is generally more expensive upfront than traditional policies. Because they purchase only the coverage they need, in the time frames they need insurance, people who purchase temporary car insurance policies can save money in the long run.

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Full Answer

Temporary insurance polices can last from one day to one month and usually include coverage for liability, collision, uninsured and underinsured motorists, and, in some cases, medical payments, states About.com. People who are between policies, need coverage while their cars are in storage, own vehicles temporarily, are renting vehicles for long trips or need insurance to drive newly purchased vehicles home may benefit from purchasing temporary insurance policies.

Not all insurance companies offer temporary policies, and car owners interested in temporary car insurance should seek several quotes to ensure they get policies that best fit their needs, advises About.com. People under the age of 21, those with drivers licenses that have been valid for less than 12 months, those with reasons for previous license revocations or suspensions and drivers with more than one fault claim in the past three years are generally not able to purchase temporary car insurance.

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