Short term car insurance is car insurance that you buy for a short duration, usually less than one year. It can be one day, one month, 3 months, or 6 months. Short term car insurance in South Africa is necessary and cheaper in some instances. For instance, if you are driving for less than one month, it would be expensive to buy a one-year insurance cover.
You will need short term car insurance in the following instances:
- Renting a car when you do not have car insurance
- When going on a road trip
- When you are learning to drive
- Borrowing a car for a short duration
- When your car is in a garage
- Bought a car to drive for a short period and then sell it
- Adding coverage for an additional driver
Short term car insurance protects you from possible loss due to an accident like fire, collision, flooding, or theft of a car. Even if you are driving for a single day, you should consider temporary car insurance. By so doing, you will have exempted yourself from losses.
Like an annual car insurance cover, you can get three car insurance levels for temporary insurance. They include Third Party Only, Third Party Fire and Theft and Comprehensive car insurance.
It only protects against third party liabilities. This means that if you get an accident and you are at fault, the third party’s car will be covered while your car is not covered. If there are injuries, the cover will pay for hospital bills for third parties, but not yours.
The Third Party Fire and Theft cover provides the same coverage with TPO but has some additional. On top of covering third party liabilities, it also insures your car against damages or losses to your vehicle caused by fire or attempted theft.
Comprehensive car insurance provides coverage to third party liabilities and any damages on your car. It covers your vehicle against theft or damages resulting from:
- Falling objects
- Natural disasters
It easy and fast to check and buy temporary car insurance online. Most South Africa car insurance companies and brokers have moved their services digitally to make it easy for people to purchase insurance. Buying temporary car insurance online is cheaper compared to when you visit an insurance company’s offices. It is easier and less expensive to maintain since it does not attract staff costs or building costs.
To get car insurance, you will need to provide your details like your name, identification number, year f manufacture of your car, its model and its value and the temporary car insurance level you want. Once you have provided the details, you will receive a quote after a short time.
The cost of temporary car insurance depends on a few factors. First, it depends on how long you are going to drive. The less you drive, the less the cost. Also, the price depends on your driving experience. If you have a long driving experience, then you will pay less compared to a less experienced driver. The size of your car’s engine will also determine how much you will pay. If your car has a small engine, then you will pay less. Assuming all other factors constant, the duration you will be driving will determine your car insurance prices.
To get cheaper temporary car insurance, you need to compare prices. One of the ways you can compare prices is through online comparison tools or by visiting various car insurance companies. Do not go for the cheap cover. Instead, make sure to consider the coverage and benefits of each before deciding the one to buy.