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Temporary car insurance - do
your friends know about it?
We are all careful people with our money
and would never dream of taking risks now, would we? Why is it then that
so many people are prepared to lend their cars to friends, relatives,
and neighbours, when there is a huge risk that doing so may risk their
own driving licence?
It's debatable how many people in Britain have even heard of the 1988
Road Traffic Act, let alone understand its provisions. There are quite a
few of them, but one very important one seems to have been missed by
most of the motoring population of Britain. This stipulation states that
it is not only an offence to drive a car on a public road without
insurance, but it is also an offence to permit someone else to do so!
This means, if you allowed someone else to drive your car and that
person is not insured, you can be hauled up before the bench and
punished severely! A standard punishment would normally be in the region
of a £200 fine and the loss of six points on your driving licence, and
if you claim that you didn't know the person concerned was uninsured,
that will be no defence whatsoever and you would still be found guilty
of the offence!
So, by being generous towards someone else and lending that person a
car, you could end up severely out of pocket and are well on your way to
a driving ban!
So, does that mean that we all have to turn into a nation of tightfisted
miseries, and refused point-blank any request to borrow our car for a
few hours, or a few days? Well, there is a very good answer to this
problem, and it is called temporary car insurance.
Here is something else that very few people seem to realise; you do not
have to buy a car insurance policy for a full 12 months any longer. It
is possible to buy short term car insurance from as little as one single
day, and it is purchased online so you can buy it 24 hours a day, and
seven days a week. You can choose to have the cover start immediately,
or at a date in the near future; you could choose to have fully
comprehensive, or alternatively if you are a little hard up you can have
the legal minimum, which is third party only, and you can ensure not
only your old car at someone else's as well.
If your friendly neighbour wishes to borrow your motor to ferry his wife
and kids off for a weekend then before he sets out set him down in front
of your computer, log on to a temporary car insurance website and make
sure that he buys a policy from
this
site to cover the days he will be driving your car. It may save you
the loss of a beautiful friendship!
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