This insurance covers either cars or vans, and is offered through a great many companies. These websites can be found either through a search for ‘short term car insurance’, ‘temporary car insurance’, or ‘day insurance’, through the URL if you know the website you want to look at. All of these sites will offer you the ability to choose and pay for a policy, and offer you the option of printing it out so you have a physical copy.

Because this is a temporary insurance policy on a vehicle that you do not drive regularly, any accidents that may happen while you are driving the covered vehicle will not affect the insurance premiums on your regular auto insurance, which for most of us is a bonus.

The short term car insurance also comes with what is known as an uninsured loss recovery policy, which means that if you vehicle breaks
credit: Peter.Lorredown you are covered. If you are going to be on a driving holiday outside the United States, particularly in the EEC or UK, this is very important.

The temporary car insurance will allow you to borrow or rent a vehicle when you are on holiday in France or the rest of the EEC and the vehicle you are using will be covered for the duration of the trip, no matter where you are.

If your family vehicle is too small for your needs, or if you think you need something a little more reliable for the trip, this insurance is useful. If necessary for your plans, you can even tow a trailer or a caravan and have them covered. Most temporary car insurance policies are comprehensive, although you need to look around and make sure that you are getting the best policy for your needs.

The general guidelines for getting temporary insurance on a vehicle are holding a UK or EEC driver’s license for 12 months, no claims within 3 years, and fewer than 6 penalty endorsements in order to get short term auto insurance coverage; it does, however, vary from company to company and you need to check these requirements carefully.

So if you are going to be driving a vehicle that is not yours when you make your holiday trip, you need the peace of mind that comes from getting a short term auto insurance policy; the peace of knowing that not only will the vehicle be covered if something does happen, and the knowledge that your insurance will not be affected.