Car insurance can be confusing especially if you delve into the myriad of terms and conditions attached to any policy. Most people however just buy the cheapest policy that they find.
Whilst there is nothing wrong with getting the best value you can you must be aware of what you are giving up. The reason most policies are cheaper than other is because they offer a lower or more limited level of coverage. You generally get what you pay for so if there is a specific feature of a policy you really need you should check that you are actually covered for that.
One feature many people have lost in the fully comprehensive coverage is the third party coverage when driving someone else’s car. This used to be a standard feature but as insurers have needed to try and be more competitive features such as this that used to be standard and taken for granted have been removed.
So what does this mean for you. Well there are times when you need to drive a car owned by another person that you are not insured to drive. Previously you may have been insured to drive their car without any problems. If you check your policy now you may find you are no longer covered.
Now not everyone will use this feature of the policy and so will not really miss it. There are however occasions in which you will need to drive a car that you are not insured to drive. Without wanting to take the risk or getting stopped driving a car you are not legally insured to drive. Or in the unfortunate event of being involved in a road traffic accident you may end up not only having to pay out a lot of money from your own pocket but also be in trouble with the law.
You can get a type of stop gap insurance that allows you to drive a car for as little as a day using a daily policy. This temporary cover allows you to get insurance to drive a vehicle for up to 28 days. It can also be used to allow another person to temporarily drive your own car.
This is not to be confused with a stop gap insurance policy that makes up the difference between the value of your car and the amount that is still owed on the vehicle. Temp cover is a great way to get cover when you borrow a friend or relatives vehicle. You can insure a car or a van up to 3.5 tonnes for a consecutive period of up to 28 days. You can of course get coverage for as little as a single day if needed but the flexibility of adding on extra days is there if needed.