Temporary Insurance: What Guarantees are Included?
Temporary insurance is a flexible solution that adapts perfectly to the specific needs of drivers. Whether for a short period or a specific use, this formula offers coverage adapted to your vehicle. But what exactly are the guarantees included in temporary insurance? Here is a complete guide to better understand this type of insurance.
1. What is Temporary Insurance?
Temporary insurance is coverage for a limited period of time, usually between 1 and 90 days. It is ideal for one-off situations, such as:
- Driving a recently purchased vehicle before its final registration.
- A vehicle loan or rental.
- Transport of vehicles for professional or personal reasons.
Unlike annual contracts, term insurance is quicker to take out and does not require a long-term commitment.
2. Guarantees Included in Temporary Insurance
Temporary insurance offers several essential guarantees to protect you and comply with the legislation:
a. Compulsory Civil Liability
This guarantee covers bodily injury and material damage that you may cause to third parties in the event of an accident. It is mandatory for driving legally in France.
b. Defense and Recourse Guarantee
In the event of a dispute or legal proceedings relating to a claim, this guarantee supports you in the necessary legal procedures.
c. Accident Assistance
Some temporary insurance includes immediate assistance for:
- Towing the damaged vehicle.
- Organizing your return or continuing your journey.
d. Material Damage Coverage (optional)
Depending on the contract chosen, additional guarantees may be added to cover:
- Damage to your vehicle caused in an accident.
- Broken glass or impacts to the windshield.
e. Natural and Technological Disaster Guarantee
This coverage covers damage caused by unforeseen events such as storms, floods, or earthquakes.
3. Optional Guarantees for Complete Protection
To strengthen the coverage of your temporary insurance, it is possible to add optional guarantees:
- Theft and Fire : To protect your vehicle against theft or fire damage.
- 0 km Breakdown Assistance : Useful for immediate support, even if the breakdown occurs near your home.
- Multiple Drivers : An essential option if several people need to use the vehicle.
4. Who is Temporary Insurance for?
Temporary insurance is ideal for drivers who do not need annual coverage. It is particularly suitable for:
- For drivers of occasional vehicles ( camper vans , trailers , heavy goods vehicles ).
- To people who borrow or lend a vehicle temporarily.
- For transport professionals with specific needs.
5. Why Choose KT Tempo for Your Temporary Insurance?
KT Tempo offers solutions tailored to all your temporary insurance needs. Our benefits include:
- Quick and easy subscription : Get your certificate in just a few minutes.
- Customizable guarantees : Add the options that match your situation.
- 24/7 Support : A team available to support you if needed.
- Flexibility : Coverage for a wide range of vehicles including cars, heavy goods vehicles and classic vehicles.
Conclusion
Temporary insurance is a practical and flexible solution, offering essential guarantees to protect you with complete peace of mind. Whether for one-off use or an exceptional situation, it perfectly meets your needs.
Contact KT Tempo today for a quick quote and discover our tailor-made offers.