Short time car insurance

Buying car insurance for a short time only

Are you looking for car insurance for a short period of time? Then you have a wide choice; there is daily short time insurance, which gives you the choice of buying cover for as little as one single day up to 28 days, and there are what is known as 'pay as you go' policies, which can cover you for a single month, or in monthly increments up to 8 months.

The 1 to 28 days policy has a very short application form, but it can still provide comprehensive cover for most drivers over the age of 21 who have a reasonable to good driving record, and who have held a full driving licence for at least a year, provided that the car they wish to insure is an unmodified UK registered one which is on the insurer's database. This database contains most cars which have been sold in the UK for the last 10 years. The car to be insured could belong to you, or it could be one that you have borrowed from someone else, provided that it is not one that is owned by a car rental company, or one that you have hired.

Buying one of these policies is simplicity itself, and takes very little time indeed. It is only necessary to have available your driving licence details and the registration details (in other words, the number plate) of the vehicle you wish to insure, and you can get a quote within just a moment or so. If the quotation is acceptable and you go ahead and buy the policy everything then happens very quickly; you can have immediate cover if you wish or schedule it to start at any time during the next four weeks, and you are sent a link by e-mail from which you can download all the necessary legal documentation, which means that you can print it out on the spot and you will then have your insurance certificate available right away, instead of having to wait for it to arrive through the post.

The other type of policy is a monthly pay-as-you-go one. This bears a great similarity to a conventional car insurance policy; but the important difference is that you are on a monthly contract, rather than a yearly one. When you buy one of these policies you pay for the first month, and then at the end of that period the policy automatically renews, unless you have already given notice that you do not wish it to do so. This will continue for a maximum of eight months. This type of policy is therefore ideal for people who want cover for just a few months, or those who do not know at present how long they will need to have it for. Like an everyday car insurance policy you need to fill in quite a comprehensive proposal form, and if you are claiming a no claims discount you will have to provide proof of that, just as you would for 12 month policies.

In both cases premiums are calculated according to many factors, including age, postcode, and driving record.

Although both of these types of policy were completely unheard-of several years ago, short time car insurance is now a well-established and popular way of buying car insurance.