If you are already looking for temporary van insurance then you already have a reason for only needing to be insured for a short time. If however you have never heard of short term insurance or are wondering what other circumstances it could be used for then this is for you.
Temp van insurance allows you to get insured to drive a van on a temporary basis. Coverage is available form 1 to 28 days or if you need longer coverage can be obtained on a monthly pay as you go basis. This type of insurance is also available for other types of vehicle such as cars and motorcycles. This type of policy is designed for occasional use where a standard annual policy is not practical or a cost effective way to get insured.
The main benefit of getting a policy that can provide coverage for as little as a day is its flexibility. You can apply and get covered online at any time of the day or night making it a convenient and fast way to get insured. So why would you go for a policy that only lasted a few days or a week or two rather than just getting a traditional annual van insurance policy.
You may only need to be able to drive the van for a short period of time. If you are buying a new van it allows you to get insured with fully comprehensive cover to allow you to extensively test drive the vehicle and then drive it back home or to your business premises. If you have only just purchased a vehicle you may not have had time to add it onto your existing business insurance policy or you may not have an annual policy yet in place.
On occasion you may need to borrow a van that belongs to a friend or relative. They may not want to add you as an additional driver on their own policy. There are several reasons for them not wanting to insure you to drive their vehicle. There is the cost and hassle factor and more commonly the fact that they could be putting their no claims at risk. If you borrow a van you can get insured to drive it for the short amount of time that you need.
A temporary policy is a good way to quickly and easily get insured in an emergency situation. It allows you to add an additional vehicle or add a temporary driver. If your own van breaks down and has to go in for repairs it allows you to insure a courtesy van provided by the car dealer. Usually you will not be insured by the car dealer to drive a courtesy vehicle. You cannot however use short term insurance to insure a hired van.
Often it can be very expensive to insure young drivers, especially so for a van. Getting van insurance under 25 years of age can be problematic due to the cost of a full years policy. Therefore if you only need to drive on certain occasions then you can get temporary van insurance under 25 instead.