Are you planning a road trip for the upcoming long weekend? Road trips are a great way to unwind, explore the mountains or beaches and enjoy quality family time. The most crucial element of a road trip is your car. It takes you to multiple locations. Thus, it must be in good condition and protected against mechanical breakdowns or accidents.
Car insurance providers have introduced short-term or temporary car insurance for road trips to let car owners enjoy financial protection for their four-wheelers without the long-term commitment. The plan enables you to choose between temporary, monthly, short-term and one-day insurance plans depending on your requirements.
This article offers a deeper insight into this type of car insurance plan.
What is Temporary Car Insurance?
Temporary car insurance, as the name suggests, is an insurance plan offering coverage for a short time. Traditional car insurance policies are valid for a year. But a temporary car insurance policy is valid for a brief period, like a few hours to a couple of months. You can choose the duration based on your requirements.
Short-duration car insurance is ideal if you are not looking for an annual insurance policy. It offers convenience and flexibility in situations where long-term coverage is a waste, such as using a borrowed or rented car or learning to drive.
When Should You Buy A Short-Term Car Insurance Policy?
A short-term car insurance plan offers insurance coverage in the event of personal accidents, natural disasters, accidental damages, etc. The policy also covers financial losses incurred because of man-made disasters. A car driver should invest in temporary car insurance if they are:
- Using a rented car.
- Learning to drive.
- Using a vehicle borrowed from a family member or friend.
- Owners of two vehicles but use only one frequently.
- Owners of a car used sparingly.
- Not very experienced at driving.
- Using a vehicle briefly in another state for travel, business or job.
- Using the vehicle for a road trip only.
Coverage Options for Temporary Car Insurance
The scope of road trip insurance coverage varies depending on the policy and the insurance provider you choose. The most common coverage options included in temporary car insurance are:
Comprehensive Coverage
Under this coverage option, you are protected against collision accidents and non-collision accidents like natural disasters, vandalism, theft, fire and damage caused by falling objects. You can claim financial assistance for the replacement or repairs due to these events.
Liability Coverage
This coverage protects against property damage and bodily injury if the driver has an accident while driving the insured vehicle. You can claim the expenses for injuries and damages caused to other people or property.
Collision Coverage
Under this coverage, you receive compensation for the damages caused to the insured vehicle due to a collision with an object or another vehicle. There is no criteria on whose fault it is. The coverage helps in bearing the replacement or repair costs of the vehicle.
Underinsured/Uninsured Motorist Coverage
If you meet with an accident with an underinsured or uninsured driver, this coverage provides protection. It takes care of the damages and medical expenses since the at-fault driver cannot compensate you completely.
Personal Injury Protection (PIP)
PIP compensates you and your passengers for lost wages, medical expenses and other associated costs. Again, it does not matter whose fault it is in the accident. Financial assistance is also provided for medical treatment and rehabilitation.
You must study the policy details and coverage options offered by different insurance providers carefully to ensure that you pick the coverage best suited to your needs for temporary car insurance for road trips.
Some companies will provide optional coverage enhancements and add-ons to further strengthen and customise your short-duration car insurance.
Types of Temporary Car Insurance for Road Trips
Daily Car Insurance
This type of temporary car insurance is best suited for individuals requiring coverage for a day or two. Day car insurance is another name for this type of insurance. It provides the required protection and legal coverage whether you are renting a car for a day or borrowing it from someone.
Weekly Car Insurance
This car insurance is perfect for when you are planning a week-long road trip or using a vehicle for a short project. It provides flexible insurance coverage for a week without the long-term commitment of a policy.
Monthly Car Insurance
If you need a car for a month, this type of insurance is best for you. Situations include a month-long vacation or the use of a temporary vehicle while yours is under repair.
Pay-As-You-Go Insurance
This type of insurance lets you pay only for the days you drive. It is ideal for infrequent drivers and leads to significant savings. If you have the policy, you can activate coverage when required and not waste premiums on unused services.
Temporary car insurance is a versatile product. It can cater to various needs. While it is mandatory to get third-party temporary car insurance, you should also consider buying standalone own-damage car insurance. The policy protects you against vehicle damages arising from fire, theft, natural disasters and accidents.
Benefits of Short-Duration Car Insurance
Temporary rental car insurance or private car insurance is an alternative to traditional car insurance and comes with many benefits. It is an attractive choice for individuals seeking short-term coverage.
Flexibility
With short-duration car insurance, you enjoy the convenience of flexibility. You can select the policy’s duration as per your requirements. This duration can vary from a few hours to a couple of months. It depends on how long you will be using the car.
Immediate Coverage
Temporary insurance policies offer immediate coverage. So you can apply for them at the last minute. You can use temporary car insurance for a road trip or if you are using a friend’s vehicle in another state for a short duration and other such situations.
No Long-Term Commitments
The benefits of temporary car insurance are available without being committed long-term to a traditional car insurance policy.
Cost-Effective
When you buy temporary car insurance, you only pay for the coverage you need. As a result, it is a more cost-effective option compared to year-long policies. This is an ideal feature if you use your vehicle occasionally.
Easy Application and Cancellation
The process to apply and cancel short-duration car insurance is simple and hassle-free. There aren’t too many steps that you need to follow. You can apply online with any of the renowned car insurance providers, and you will receive the policy in minutes.
How to Get Temporary Car Insurance for Road Trips?
Before you apply for temporary car insurance,
check the car insurance status online to ensure you do not already have an active policy. Then, follow the steps mentioned below to get temporary car insurance:
- Identify insurance companies that offer short-term car insurance.
- Compare their offerings.
- Submit the required information, such as vehicle details, desired coverage, duration, etc., to receive a premium quote.
- Complete the application process, which may involve premium payment.
- After approval, you will receive the policy documents.
The Bottom Line
Temporary car insurance is ideal for individuals with short-term requirements. It eliminates the commitment of an annual policy and provides flexible coverage for restricted durations. It is best suited when you borrow a family member or friend’s car for brief use or buy a car in the middle of your active car insurance policy and do not intend to switch mid-year.
It is ideal to have temporary car insurance for a road trip if you do not have a valid policy and plan to travel. You can apply for the document online after providing details like the car model, owner details, years of age, condition, etc. A temporary car insurance policy ensures that you enjoy your short-term trips on the road with the assurance of financial security.
Reliance General Insurance offers tailor-made
car insurance plans, which offer several unique features, such as a 100% claim settlement ratio, easy and paperless buying process and a no claim bonus for your claim-free years.
Our range of car insurance plans includes third-party car insurance,
comprehensive car insurance and a standalone own-damage policy. Each one has unique coverage benefits to protect you against unforeseen circumstances. Explore our website today and choose a car insurance plan that suits your coverage needs and budget.
Frequently Asked Questions
What is short-duration car insurance?
A short-duration insurance plan covers you and your vehicle for a limited time, typically a day to a few months. It is also known as temporary car insurance.
Who can benefit from a temporary car insurance policy?
Temporary auto insurance is best suited for drivers renting a car or using someone else’s car briefly.
Can I get temporary driving insurance before the vehicle’s temporary registration?
Most car insurance providers issue temporary car insurance to vehicles with a valid registration. Generally, the car needs to have temporary or permanent registration. Inquire about the specific requirements of the insurance providers and purchase the plan if it suits your requirements.
What does a short-duration car insurance plan cover?
The scope of coverage under short-duration auto insurance varies. Generally, it provides liability insurance for personal injury and property damage. There can be additions for comprehensive and collision coverage, too.
