With spring finally on its way, summer won't be long in coming (we hope!) and the country's university students will start heading home, many of them hoping to use their parents' car in the summer months. Temporary car insurance might be just the right option for them.

Many students cannot afford their own insurance policy, and some parents may be reluctant to put their children on their policy and risk losing their no claims discount if an accident were to happen.

So a temporary insurance policy could be just the answer. The premise of a short term policy is that a driver can buy up to 28 days cover at a time. Such policies are now available from many of the leading UK motor insurance companies.

The downside of temporary policies is that many brokers stipulate that the driver must be aged over 21 in order to qualify. This will rule out many younger students, who are seen as too high risk by many insurers due to their age and lack of experience.

However, for those who qualify a temporary car insurance policy might be worth looking into, offering them the advantages of car travel in the summer months without the headache of paying for an annual policy or of trying to persuade their parents to include them on theirs!

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