Test Drive Insurance

At the time of taking test drive for a new car everyone will be excited. But the excitement should not lead to an accident, because your regular insurance will not provide cover for this car. So, the concept of test drive Car Insurance came into existence. The array of benefits of this policy offers insurance for those who are driving a car directly from the showroom to have test drive. This insurance is available on short term period. However, the terms and conditions may vary from one company to another.

Test drive insurance will provide cover if the vehicle used by the policy holder gets damaged in the event of an accident or malicious damage. It will also provide cover for the vehicle in case of vandalism, fire or theft attempt. In case of any harm caused to someone else’s property due to an accident occurred at the time of accident, limited value cover will be provided. The emergency treatment fee is also covered through this policy. The policy also covers the damage to audio system and telephone, but the amount will be fixed and it will differ from company to company. This policy will meet the demands of those drivers who seek the short term insurance.

If you have taken new vehicle and you have not yet found proper insurance for the vehicle, then you can use this Test Drive Insurance for short period. The short period offered by the insurance companies although varies, but you may get it for maximum for 28 days. Personal injury cost, vehicle repair cost and any damage to personal belongings are also included in the cover provided by the policy. The drivers between the ages of 21 to 75 with valid driving license can get this policy. Every policy holder should compare the quotes offered by different companies and almost all the companies offer online services. Policy premium calculator will be available on the official website of the company through which you will be able to calculate the amount of policy premium. Insurance company may not give the policy to that driver who has claimed for more than two times within a year. The penalty points should not cross particular figure described by the company, however the acceptance criteria varies with the company. The company representatives can come to your residence to give the details of the policy. You have to read the terms and conditions carefully before signing the policy.