Short term truck insurance quote – Are you a truck driver who wants to buy a truck for commercial purposes? Or are you looking to get an additional truck for your business? If so, you should consider buying temporary or short-term commercial trucking insurance.
Most commercial truckers understand how difficult it can be to buy insurance for a truck. You have to determine what level of coverage you need, evaluate various companies, get quotes, negotiate, and finally settle for one insurer. This process can take weeks to complete, and you will not be able to drive your truck during this period if you don’t have insurance.
What is temporary commercial truck insurance?
When you buy a truck, you have to drive it from the dealership to your business premises. During this time, you may not be able to purchase permanent insurance for the vehicle. You have the option of leaving the truck at the dealership until you get insurance or driving the vehicle without insurance and facing any potential risks along the way.
Temporary insurance is a policy that’s formulated to give you peace of mind when buying a truck. It is a short-term cover that you get for your truck before choosing permanent coverage. The insurance policy covers your vehicle against predetermined risks for a specified period, usually ranging between one and 30 days. With a temporary insurance cover, you can drive the truck before obtaining a permanent cover, and you don’t have to worry about incurring losses after physical damage.
Benefits of temporary commercial truck insurance
A short-term truck insurance policy comes with various benefits. First, your vehicle is covered right from the time you drive it from the dealership to your business premises. If the truck gets damaged along the way, the insurance covers any repair costs incurred. Some insurers also give benefits such as stripping services and lettering. You can brand, strip, and repaint the truck in preparation for the commercial applications.
Another benefit of a temporary insurance cover is that it gives you the liberty to drive the truck during the insured period. Most insurance companies provide universally-accepted temporary insurance covers. Therefore, you don’t have to worry about falling on the wrong side of the law by driving without proper insurance coverage.
Limitations of temporary commercial truck insurance
This short-term cover comes with restrictions. First, some insurers prohibit you from undertaking any commercial applications with the truck while under the short-term cover. Therefore, you have to wait for the permanent cover before using the vehicle for freight purposes. Also, some insurers also restrict you from carrying out any form of hauling while covered by the temporary policy.
A temporary commercial truck insurance cover can come in handy when buying a truck for your business. However, various companies have different short-term policies. Take the time to evaluate your needs before choosing a temporary cover. Also, get multiple quotes from various insurers and compare their rates. Once you find the right one, you can buy a policy and be able to drive your truck from the dealership to your premises.