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Temporary Car Insurance: What Is It & How Does It Work?

Sometimes, you may be in an emergency and need to borrow someone’s car. You may be on a trip with your family and don’t have access to your own vehicle. In any case, you need a temporary vehicle to help you move around for a while, and you want to make sure that you have insurance on the car.


However, it doesn’t make sense to purchase a full insurance policy because you’ll return it after several weeks/months. This is where temporary car insurance can help you. In this article, we’ll tell you what it is and how it works.


What Is it 

As the name suggests, temporary car insurance is a short-term policy lasting up to six months. It’s a popular choice for people who plan on renting or borrowing a car that doesn't have insurance. You can adjust the coverage period to that specific time frame since you know how long you’ll be driving the vehicle. 

The beauty of temporary car insurance is you can add it to your existing policy. For example, if a family member is returning from college for the summer, you can purchase temporary coverage on your own car insurance policy and put the family member's name as the driver.

However, you can’t directly purchase it from your own insurance provider. Only a select few reliable car insurance providers offer this service. 


How Does it Work 

Temporary car insurance is a policy that provides basic liability coverage. In other words, if you have an accident leading to injuries or property/vehicle damage, the policy will cover you financially. However, the plan only pays for the other driver’s medical bills and repair costs, which is still significantly better than driving around without insurance. 

Despite common misconceptions, having insurance coverage for driving is not a luxury. It’s a requirement by law. Even if you get in a car accident that wasn’t your fault, the lack of proper insurance will create legal and financial problems for you. In some cases, if you drive around without adequate coverage, you may be facing a hefty fine or even jail time. 

You can safely drive around for as long or as little as you want by purchasing a temporary car insurance policy. You may want to drive the family car during that one-month holiday, and a temporary car insurance policy can save you a lot of headaches. 


Bottom Line 

?It’s a massive risk to drive around without insurance, whether just one week or a whole year. People may face severe legal problems and jail time just because they didn’t pay for insurance on a temporary car. 


Now, temporary car insurance is the perfect solution that will cover your short-term ride for a low fee, assuring you that you’re perfectly safe no matter what. However, some insurance agencies offer limited coverage or charge exorbitant prices for an average level of protection. 


Hence, it’s best to shop around for a solution that gives real value for your money. Lycainsure is one of the few affordable providers that offer temporary car insurance policies. You can contact us to obtain more information on our policies and quotes.