During the holidays, your kids will come home from the university. They may or may not bring their cars along with them. If your kids are studying at a driving distance then they may choose to bring their cars along but if they are studying at a flying distance then it may not be convenient for them to bring their cars along. If they cannot bring their cars home with them then they would simply have to borrow yours while they are staying home for the holidays.
If your kids borrow your car then it would be best if you apply for a short term car insurance. This kind of insurance covers whoever drives the car for the short while that they would be using it. Short term car insurance is somewhat expensive but it would make your kids drive your car legally without committing any long term agreements with insurance companies.
Why legally ? Laws on driving do not permit anyone to drive on a public highway without any insurance. While your kids may have applied for car insurance for their cars in the university, the coverage would be state specific. This means that their insurance policies cannot be used in the State where your home is. Granting that your kid s university and your residence belongs to two different Sates.
Short term car insurance will cover your car for a period of time involving a day to 11 months. You can have your kid apply for short term car insurance if he or she is beyond 21 years of age or you can do it yourself and your car will still be covered. If your car s windscreen or audio system gets damaged while the short term car insurance policy is in effect, additional coverage can be given. However, there are some terms in long term insurance coverage that may or may not be included in short term insurance policies like damage repairs.
What particular types of cars will short term insurance policy cover? Short term car insurance covers a range of cars from classic cars, vans, kit cars to modified cars of campers. Short term car insurance is easier to access than long term car insurance because the process is much quicker and it is accessible through the internet. You can choose the car insurance term that suits your needs as options are provided for online. Even if you apply for short term car insurance, your long term car insurance will not be affected so there is no need to worry about it.
Do not deprive your kids of the pleasure of driving around the neighborhood that they surely have missed while they are away at school. Apply for short term car insurance and give them the freedom to drive without fear of breaking laws. Besides, your holiday can be extra special if you spend time together by letting them drive you to the mall or the supermarket. Insurance experts may say that insurance companies think long term but there are just moments where short term is unavoidable.
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