I've been driving forever (well, feels like it anyway...), and I gotta say, temp insurance saved my butt a couple of times. Like when my brother-in-law visited from out of town and wanted to borrow my car for a road trip—no way was I risking my no-claims bonus, lol. Quick step-by-step: research reputable providers, double-check coverage details, and breathe easy knowing you're protected without breaking the bank. Definitely worth it for occasional use, but probably not if you're driving regularly.
Yeah, temp insurance can be handy, but honestly, for my classic cars it's been hit or miss. Had a buddy borrow my '68 Mustang once—got temp cover thinking it'd be safer. Turns out the fine print excluded certain vintage parts, so I was still sweating bullets the whole weekend. Lesson learned: always triple-check exclusions, especially if your ride's got rare or custom bits. Good for quick fixes, but not always bulletproof...
Good point about exclusions—it's surprising how many folks overlook that part. Did you notice if the policy specifically listed vintage or custom components, or was it more of a generic exclusion clause? Sometimes insurers keep it vague, which can make claims tricky. Definitely smart to triple-check those details, especially with classics. Glad nothing happened to your Mustang though... would've been a real headache sorting that out.
I learned the hard way about vague exclusions when I borrowed my uncle's restored Camaro for a weekend. Thought I was covered with temp insurance, but turns out they had some generic clause about "modified or non-standard parts." When a rock cracked the windshield, insurer argued the custom glass wasn't standard and refused to pay. Ended up costing me way more than the policy itself. Honestly, unless you're crystal clear on what's covered, temporary insurance feels like a gamble.
Had a similar situation with my bike last year, but honestly, temp insurance saved me big-time when I borrowed a friend's truck. Guess it depends on the policy and how much you dig into the fine print. I wouldn't write it off completely, just gotta be careful and maybe ask specific questions upfront... insurers love their loopholes.
