5 mistakes to avoid before taking out temporary insurance

5 mistakes to avoid before taking out temporary insurance

Before signing up: compare contracts, choose the appropriate duration, make sure that civil liability is included, prepare your documents and check the geographical/usage conditions.

Temporary insurance is a convenient and flexible solution for covering a vehicle for a short period of time. But be careful: common mistakes can render your policy useless or expose you to risks. In this article, I'll explain the 5 common mistakes to avoid , so you can subscribe with complete peace of mind with KT Tempo.

Mistake #1: Not comparing available offers

Many people accept the first offer they come across, without checking:

  • Guarantees included (theft, fire, assistance)
  • The maximum duration
  • Exclusions or special conditions
  • The actual price, including fees

Comparing allows you to avoid paying for unnecessary guarantees or choosing a contract that is too limited.

Mistake #2: Choosing the wrong duration

  • Subscribing for too long makes you pay for unnecessary days
  • Choosing too short a duration can leave you without coverage in case of unforeseen circumstances
  • Some plans offer thresholds (e.g.: > ​​30 days goes to monthly rate)

Remember to calibrate your duration according to your real needs, without excess.

Mistake #3: Not checking liability coverage

Civil liability (CL) is mandatory — without it, your contract is invalid.
Some temporary offers only include this basic warranty, without additional protections. Make sure that civil liability is included from the start.

Mistake #4: Documents provided incorrectly or partially

An incomplete or incorrectly completed file often results in refusals or invalidation of the contract.
Here are the most commonly required documents:

  • Registration card or registration certificate
  • Valid driver's license
  • Proof of address in certain cases
  • Statement of information or certificate of no claims depending on the insurer

Anticipate and prepare for them to avoid blockages.

Mistake #5: Forgetting geographic/usage conditions

  • Check in which countries the contract is valid
  • Make sure that the intended use (loan to a third party, international transit, import) is accepted
  • Do not neglect the conditions of use (road, private use, professional)

Failure to comply with these conditions may void your coverage in the event of a claim.

Why choose KT Tempo to avoid these pitfalls?

  • Clear and transparent pricing — you see what you pay
  • Online subscription with automatic document verification
  • Clear options: you choose the useful guarantees according to your usage
  • Responsive support to guide you if you have any doubts

Conclusion

Taking out temporary insurance without due care can be costly: inappropriate rates, refusal of cover, contract invalidation, etc. By avoiding errors in comparison, duration, guarantees, documents, or usage, you maximize your chances of a reliable contract. With KT Tempo , you benefit from a service designed to secure your temporary uses with peace of mind.

Back to blog