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Many of us have found ourselves in the situation of needing insurance protection for a car for a short period of time. Until the last couple of years, it was actually very difficult to get atemporary cover deal as the major providers only had offerings for 10 to 12 months.

Fortunately, there are now many specialist insurers with specific products available online tailored to individuals needs, whether it be short term car insurance,over 50 life insurance or even specialist cover for events and entertainment. Read more »

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Many car insurance policies are still sold for 12 months. As this is quite a long period of time and drivers needs may change during the year, short term car insurance is now available on a separate policy providing as little as cover for 24 hours.

Temporary car insurance is usually referred to as policies ranging from 1 to 28 days. However, there are now a number of specialist insurance companies who offer flexible cover for between one to six months.

In addition there are even options dubbed "pay as you go". This gives the benefit of not having to pay for cover when it won't be needed.

There are many reasons and situations where drivers may take out a temp car insurance policy. One of the most common is making sure you are protected when borrowing a friends vehicle. Securing an additional policy for this could protect any no claims bonus acquired. This could be advantageous for careful drivers.

Another reason temporary car insurance is taken out is to provide cover for an additional driver so driving can be shared on a longer trip.

Insuring a visitor from overseas is an important reason for taking out this type of cover. As is requiring short term car insurance when buying a new motor and needing to take it home. Taking a test drive and requiring cover for 24 hours can be another eventuality.

When moving house, some people borrow a van from a friend and colleague and require short term van insurance.

Temp motorbike insurance is also popular for riders who, for example, may be planning a summer biking holiday with fellow bikers. This could be very beneficial if they use a car most of the year and will only be using the motorbike while they are away.

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Although the majority of insurance policies are still sold annually, due to the growing needs of drivers, the increasing number of vehicles owned by individuals and families and a more flexible approach to driving for many people, insurance is now available on a short term basis.

Short term car insurance is usually referred to as policies ranging from 1 to 28 days although there are a number of specialist insurance companies who now offer flexible cover for between one to six months and even pay-as-you-go options allowing drivers to setup and manage their policy online and switch off the temp cover when they know they will not be on the road.

There are many reasons and situations where drivers may take out a temporary insurance car policy and a few are given below:

1. Making sure you are insured when visiting family and friends.

2. Cover for an additional driver so driving can be shared on holiday or a longer journey

3. Insuring a foreign guest who will be visiting

4. Purchasing a new car and requiring drive away insurance to get it home

5. Taking a test drive and requiring cover for a day or weekend

6. Wanting to protect a No Claims Discount on a main policy while borrowing a friends car

When moving house, some people borrow a van from a friend and colleague and require short term van insurance. Temporary van insurance or rolling monthly cover is also useful for contractors who may need a van for a specific job they are working on for a short period of time.

Temporary bike insurance is also popular for riders who, for example, may be planning a summer biking holiday with fellow bikers but who usually drive their car when at home and are looking for better value than taking out annual insurance cover.