Short term car insurance

The future of short term car insurance

If we allow them to our cars can dominate our lives! It isn't just the time we spend driving them, although that's bad enough by itself. It's a time we spend on other car related matters; cleaning them, fixing them, looking for them in a car park; filling them up with grossly overpriced petrol; searching for the car keys (mine for unbelievable reasons have turned up in such diverse places as the freezer, the wash hand basin, under a dustmen, behind the television) and even scraping the frost off the windscreen in the morning. All this time, on average, adds up to more than 10 days every year, which were most motorists means more than two years out of their lifetimes! And that's before we get in them and drive them.

All this has come about because a machine that used to be an absolute luxury has become more and more affordable over the decades until it is now really cheap in real terms, and it is now completely possible for even the lowest paid people to be able to afford a reasonably reliable car. As a consequence the numbers of cars on the road are been increasing every year, along with the total mileages that they have covered, between them; this total has fallen of late however, and the reason is the high price of petrol, and of car insurance.

Just imagine that you are a new driver aged 18, you have bought your first car which is probably cost you somewhere in the region of £2000, but when you try to insure it you are hit with a quotation of more than £4000 per year! What do you do? Sadly for many young drivers the answer has been "drive without insurance" and the huge numbers are becoming such a problem that there are affecting the premiums of each and every insurance buying motorist by about £40 each.

It isn't as if the problem of new motorists ends there; the accident rate of a new driver under the age of 21 is pretty horrific and on average 20% of them will make an insurance claim each year. It is hardly surprising that a number of insurers either refuse to take young people on their books at all, or offer such high premiums that none of them are likely to accept them.

It is not only young drivers who were affected by high premiums either; over the motoring public as a whole the average fully comprehensive policy is now costing somewhere in the region of £1000 a year, which is a type of money that most people think twice about. It is hardly surprising that short term car insurance (available from www.newzoid.com) has become so popular over the last three to 4 years.

A short term car insurance policy can last as long as you wish between the parameters of one day and 28. This makes it ideal for people who only need to drive on certain occasions; one could think straightaway of students who only need to drive out of term time, elderly people who only want to drive when they go on holiday, city dwellers who can use public transport (and probably get to work quicker as a result) during the week, only requiring a car for the occasional weekend away. These people short term car insurance can be an economically attractive alternative to paying out for a years cover, and with annual premiums likely to increase into the foreseeable future it is probable that more and more of these policies will be sold.