Cheap Short Term Car Insurance
When you take out a car insurance policy it generally runs for a full year but there are occasions in life when you simply need cheap short term car insurance.
If you are moving house and are hiring a van to transport your belongings, you can go online and take out cheap short term car insurance which will cover you for the term which you are lending the hire van. The same principal could be applied if borrowing a car from a friend to make a short trip. This cheap short term car insurance is available immediately so that you can simply drive away and know that you are insured.
This type of cheap short term car insurance is ideal for younger drivers who always receive ridiculously high insurance quotes. The quotes are high because a young driver usually has a low no claims history. This type of motor insurance can be taken out on a monthly basis. As well as allowing you to take out insurance policies for one month at time, they also allow the driver to build up a full years no claims bonus discount in just 8 claim free months. So this is a possible solution for new young drivers. It makes it possible for a new driver to have insurance of their own without having to be added to another person’s existing policy and being unable to build up their own no claims history.
If you are allowing someone to use your car, this cheap short term car insurance gives them the opportunity to insure themselves without you having to add their name onto your policy. It can quite expensive to add a person to your policy who has no driving history as well as risky because if that person had any type of collision or accident, your premiums would dramatically increase.
Purchasing cheap short term car insurance could not be easier. As soon as the company has received your card payment and it has been authorised, you are insured. This type of insurance offers competitive rates for under 25s and even 16-19 year olds, although some companies state that the driver has to be 21 years of age to qualify for cheap short term car insurance.
Best Business Car Insurance
If you are one of a growing number of people who drive their own car for business purposes, you need to ensure that you have the appropriate type of business car insurance. Most policies generally only cover for social, domestic and pleasure when using the car. Even commuting to and from work every day is covered but for everything else you require a different level of cover.
It is usually more expensive to take out business car insurance as you are classed as being a higher risk due to the amount of miles you cover on an average day.
It is essential to take out business car insurance
The reason that business car insurance is so high is because you are increasing your risk of having an accident by spending so much time on the road, driving more frequently in rush hour traffic and possibly travelling to different parts of the country. Your provider will ask you your age, your address, the make and model of your car and no claims history. You will also be expected to give a rough estimate of your approximate work related mileage. The Insurance Company will then use this information which you have supplied to calculate your premiums.
There are several kinds of business car insurance that you cab consider. Private and occasional use policies cover the main driver and their spouse, who only occasionally uses the car for work purposes. The vehicle would not be registered in the name of the business and the car must not be seen as essential for the job.
Private and business insurance offers similar cover but the vehicle is registered in the name of the business and the policy will cover any driver.
Jobs where you need your car to work as a permanent fixture such as a travelling salesman need to take out special business car insurance called a commercial driving policy. The premiums are higher but you can often negotiate the premium rates if you agree on a mileage limit. Make sure that you are realistic when you set yourself this limit as if you go over it you will automatically invalidate your policy.