Totally agree with keeping comprehensive year-round. Temporary coverage sounds tempting at first glance, but it's easy to overlook the fine print—like how some temp policies might exclude certain types of damage or have higher deductibles. Had a neighbor who went temp-only for a few months, thinking he'd save cash, but then a branch fell during a storm and cracked his windshield. Ended up costing him way more than he "saved." Sometimes cutting corners just isn't worth the gamble...
- Good points, but it really depends on the car and situation.
- For my daily driver, I wouldn't risk temp coverage—too many unknowns.
- But for my classic that's garaged 90% of the year...might consider it if the terms were clear enough.
I've thought about temp coverage myself, but honestly, as someone considered high-risk, I'm always wary about the fine print. Like, if something happens during that short window, are you really covered fully, or is there some hidden clause that kicks in because you're not on a regular policy? I once had a buddy who tried temporary insurance for a weekend road trip—ended up in a minor fender-bender and spent months sorting out claims because the insurer argued about coverage specifics.
So yeah, it might make sense for classics or cars you rarely drive...but even then, how clear are these terms usually? Has anyone actually had to make a claim on temporary coverage, and if so, how smooth was the process? I'd be curious to hear real-world experiences rather than just policy descriptions.
"I once had a buddy who tried temporary insurance for a weekend road trip—ended up in a minor fender-bender and spent months sorting out claims..."
This hits close to home. I got temp coverage when borrowing my uncle's old convertible for prom night (yeah, cliché, I know). Thankfully, no accidents—but the paperwork was a nightmare. The terms were buried in jargon, and I spent more time decoding clauses than actually driving. Honestly, felt like I needed insurance just to cover the stress of reading the policy...
I've had temp insurance a couple times when borrowing cars, and yeah, the fine print can be brutal. Still, I'd rather deal with paperwork headaches than risk driving uninsured—even minor stuff can get pricey fast. But now you guys have me wondering if it's better to just add yourself temporarily to the owner's existing policy instead... might simplify things? Has anyone tried going that route?
