Temporary Car Insurance is for drivers who are looking for reduced-validity coverage. Aimed at drivers who do not wish to be insured for a full year, Temporary Car Insurance is, as the name implies, short-term insurance. Be careful, these Temporary Car Insurance contracts often display limited guarantees and are subject to specific rules.
How Long Is Temporary Car Insurance?
It generally covers a period ranging from 1 to 90 days and can only be purchased by a driver with a minimum of experience on the road. In most cases, the subscriber must be at least 21 years old and have held a driving license for at least 2 years. However, temporary auto insurance often costs more than a conventional contract and can only be recommended if there is no permanent solution.
Who is the Temporary Car Insurance for?
There are several situations in which Temporary Car Insurance is recommended:
- In case of a little used vehicle, stored in a secure and private place;
- In the event of suspension or termination of a conventional car insurance contract, while waiting to be able to take out a new contract;
- In case of travel to a country not covered by the current insurance of the motorist.
- In the case of importation of a foreign vehicle with a temporary registration and pending the final registration certificate.
- Temporary Car Insurance contracts exceeding 3 days of validity authorize the driver to travel abroad.
The steps to follow
In addition to checking the age and history of the driver who wishes to issue Temporary Car Insurance, the companies require a certain number of supporting documents:
- A copy of the vehicle registration certificate temporarily insured. The document is valid even if it is not in the name of the insured or has been issued abroad.
- A copy of a valid driving license.
- A copy of the statement of information of the insured, or failing that, a statement on the honor of any antecedents on the road (claims, offenses …).