If you have permanent car insurance you probably didn’t think to this but exceptions can often appear and you have to be prepared for everything.
Let’s imagine that you don’t have regular car insurance and one of the following situations appears:
- You have just purchased a vehicle and you have to drive it home
- You are in a business trip and you need a car to move
- You are lending a car to a friend or relative
- You are in a vacation with a friend, the driver is tired and you need to help him
- You are going to do a test drive
Of course, you can do one regular car insurance just for this couple of hours ride but is clear that is worthless because is to expensive and you will need this just for one day and here it comes 1 day car insurance.
Even if the 24 hour car insurance is cheap, the price can vary because of some factors as gender, age, driving history and so on. Some companies are setting strictly important age restrictions in order to receive 24 hour car insurance. In most of the cases, minimum 18 years and maximum 75 years are required but there are also cases in which minimum and maximum accepted is 21 and 60 years.
The car insurance for a day can be effective from the date when you are signing the insurance papers or can be postponed to a further date, according to your time schedule.
There are many coverage types that can be chosen for your car insurance for a day. Typically, one day car insurance will cover you for:
- damage in case of an accident,
- recovery and repair after an accident,
- damages in case of vandalism acts
- damages in case of fire,
- theft
- liability against injury of another person
- liability against death of another person
- liability against property damage of another person.
Besides of that there are a lot of options that can be added to the 1 day car insurance like comprehensive cover for driving in other countries, temporary breakdown cover or uninsured motorist coverage.
Car insurance for a day is a part of the short term car insurance that can range from one day to 11 months, giving your car the required coverage. These insurances are similar to annual insurance, but depending upon the company’s policy, there may be some difference in costs and offered coverage.
Car insurance for a day policy can be availed from any car insurance carrier and even the internet so don’t hesitate to make a research before you decide to sign a deal with any insurance company.
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