Temporary Car Insurance - Are They Truly Handy? By law in the UK people need to have insurance in order to drive legally on the highway. There are a number of insurers who are able to offer you a policy but lets say you simply should be covered temporarily. Whilst many of us will need an average annual policy quite often therell be occasions where we only should cover ourselves they are driving for a short moment of your energy. As with anything, you need to determine what you are looking for once you begin to look into short-term cover. You need to understand what situations warrant short-term insurance, what advantages you can find what obstacles could be inside your way. Here is a brief explanation of these aspects so that you have the ability to start temporary car insurance your research for insurance about the right foot. Temporary automobile insurance policies give you a wonderful chance for a person to be protected in situations that their established insurance coverage may well not provide coverage. For instance, if someone wants to try a car or truck and go farther compared to car lots insurance will protect, an individual might get temporary motor insurance for that test drive. This is especially convenient if the try out is taking place on a road that will have many hazards or high-traffic. If there is a major accident in the test drive the temporary auto insurance policy will handle the incident without worry for the insured along with the claim will never be added to your established policy so your rate wont be increased. Third, this type of insurance is affordable, at least can be cheap in case you have an excellent driving history and so are over the age of 25. For sure it can be cheaper to insure your college-aged kid for a couple weeks or perhaps a several months as an alternative to adding them to your long-term policy for the entire year. Even if the short-term rates appear higher over a each day basis the policy is not going to cost more than what you would pay in an entire year within a regular policy. The problem is that most young drivers just do not want those kinds of premiums. The increased cost is regarded as due to several different reasons such as the large numbers of uninsured drivers traveling. This is regarded as possibly 1 in 10 drivers. The quantity of fraudulent policies and increased amount of claims is additionally contributing.