What Is The Qualification Criteria For Temporary Car Insurance?
If you have been traveling a lot and have just realized that it is not really financially viable for you to have a full blown annual car insurance policy, then it is highly like that you have heard or read about short term car insurance policies. As you probably already know by now, these types of car policies are those policies that are characterized by the small amount of time that they are valid for. As a matter of fact, a short term car insurance policy can only be taken out for a maximum period of 28 days. This is the only major difference between a normal car insurance product and short term car insurance product, if one considers the features and cover. However, in terms of qualification, the criteria of short term insurance tend to be more stringent. The following are a few things that you need to conform to if you wish to purchase a short term car insurance policy.
You should know that you would not be allowed to purchase such a policy if you are not a permanent resident of the UK. In fact, you need to be a permanent resident of the country for, at least, a period of 12 months to be eligible for such a policy.
2. Age limit:
There is also an age limit to the procurement of this policy. If you are not 21 years old yet then you can not make such a purchase. Furthermore, you would also not be able to make a purchase like this if you are older than 75. Here, you can only buy the policy if you are between 21 and 75 years old.
3. Driving license:
In order to purchase such a policy, you also need to have a fully active and valid driving license that has either been issued by the authorities of the UK or authorities of the European Union. Also, a provisional license and a full license that is not 12 months old will not suffice.
4. Driving history:
Apart from the above mentioned requirements, you also need to have a reliably clean driving history. In practical terms, temporary car insurance providers demand that you do not have more than 7 penalty points in the last three years and also do not have any pending policy appeal against you. Moreover, you would also not be eligible if you have had more than two fault claims in the last three years. The final requirement is that you have not been disqualified from driving in the last five years.
As is more than evident, most temporary car insurance providers are extremely stringent when it comes to qualification criteria for applicants. Even so, all the requirements listed above are just there to ensure safety on the roads and any person who drives carefully would be able to qualify easily. Therefore, if you think you conform to all the points listed above, then you should get online immediately and get a short term car insurance policy so as to protect yourself from the unpredictability of life.