The Stanley Steamer
How Short-Term Car Insurance Saved My Friendship
Last year, my freelance computer consulting business required some
extensive commuting time on my part. I was having my classic vehicle
restored and there were still several weeks until the work would be
completed on it. I had a good friend who had a spare vehicle that he
kept in a rented garage and wanted to lend me. The car had been
parked for some time so we took a weekend to change the fluids and
test her out to make sure she was in good running shape.
Once we determined the car was travel worthy, I asked my assistant
to research insurance options for the vehicle. I informed her that I
was only going to be using it on a temporary basis until the
restoration of my own vehicle was complete. A couple of days later
she emailed me some information about short-term car insurance and
The companies that specialize only in short-term car insurance offer
their policies at affordable and competitive
rates. You can choose from the minimum of third party insurance
to comprehensive cover and the policies can be issued for up to 28
days of cover. My assistant also provided the rates of my normal
insurance company for temporary cover, which were remarkably higher.
My assistant had done most of her research online and then over the
phone. She gave me her overall impressions on the knowledge and
courteousness of each company in her report as well. I read her
detailed report and made my decision based on good reviews and the
most reasonable rates for the cover I wanted.
I chose the most extensive cover I could get for my friends Porsche
and spent the next couple of weeks commuting over a hundred miles a
day without incident. The area of town in which I was consulting in
was not the best as far as crime was concerned and I was very
cautious about where I parked the vehicle. I rented a parking space
at a garage because I thought that would be the safest place for the
Towards the end of my consulting project, I started working late
into the night in order to finalize some reports and presentations
for senior management of the firm. I stopped to get a late supper
and then walked to the garage to drive home. When I arrived at the
parking garage and got to my parking space my jaw dropped at the
site of my friends beautiful Porsche. The scene was devastating.
All of the windows of the vehicle were smashed out, including the
windshield. The entire body was dented as if someone had taken a
sledgehammer to it. There was graffiti tagged on the hoods and all
over the body of the car. All four tires were slashed and the trunk
had been compromised. I called the police and they took my report.
There were no witnesses to the crime.
The short-term insurance policy I took out covered nearly all the
damages done to the vehicle and it was restored back to its original
pristine state in a matter of weeks. My friend is more cautious
about lending out his car to anyone but is thankful I had
comprehensive cover to repair his vehicle.
Steam Engine Society 2010