What is temporary auto insurance and benefits that ensures?
Temporary Car Insurance
Do you use the car for short periods? Walk a few miles? The temporary car insurance can be a viable option that can save you up to 50% compared to a traditional policy of annual duration.
What's this?
E 'a particular formula recently introduced, which is characterized by offering a tailored cover, which operates only in the brief periods of actual use of the car.
In this way the company is exposed to significantly less risk, and may thus offer attractive rates.
Not all companies offer this type of solution, although lately the number of jobs is increasing.
The proposed formulas are the most diverse, but are divided into three main categories:
1 - Continuous coverage for a limited period
you enter into a contract lasting from a few days to a few months, which ensures the full coverage for the entire duration of the contract.
This type of offer is indicated if you make seasonal use of the car, for example, only in the summer months.
2 - Annual insurance but only for specified periods
you enter into an annual contract, which, however, is valid only in some specific periods,
typically on weekends and public holidays.
This type of offer is indicated if you use the car only on weekends, maybe because during the week you go to work by public transport.
3 - Insurance temporary annual consumption
It is stipulated that an annual contract is still valid, but you pay the premium on consumption, based on the kilometers traveled.
Normally the company requires the installation of a
GPS module to control the actual kilometers traveled by the way this module can also be effective as a satellite alarm system.
This type of offer is indicated if you make a few km, but does not use the car during the week or year specific.
How does it work?
Just like a traditional RCA policy: If you left the counterparty is normally paid by your company.
In the case of contracts for use in the weekend, if you cause an accident, on a weekday, the company may retaliate against you.
In general, the amount of compensation is limited (a few thousand euro) and is excluded in the case of real need or urgency ('re accompanying a patient to the hospital ...).
The revenge is always off when the car is parked with the engine off.
We must not, in fact, forget that, if the car is parked on public land, must always be covered by a valid insurance; vice versa risk a hefty fine and even the car being towed.
In this regard, it is good to know that if enters into a temporary policy for a limited period of a few days or months, when the contract expires, you can not leave it parked on the street, but you will need to keep it in a private place, such as your box or the courtyard.
These are general guidelines, however, it is always good to learn and read carefully all the terms of the contract and specifications, before you choose.
10/01/2013
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Translated via software
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Source:
Italian version of CercaGeometra.it