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Most of the time we drive our vehicle all year round which means that a yearly insurance policy is needed. However, there are lots of reasons why you may need to cover a vehicle for a shorter period of time and 1 month car insurance is becoming more and more widely available.
If you need to insure a vehicle for a short period of time then read on to find out more about how one month car insurance can benefit you.
What is one month car insurance?
1 month car insurance works in the same way as normal insurance, except you only pay for a period of up to 30 days, rather than being insured for a whole year.
There are lots of reasons why you might need insurance for a shorter period of time. If you have family coming from overseas and they'll need a car to get around in you can purchase a 30 day car insurance policy to make sure they're covered.
Perhaps you are planning to buy a new car and need to borrow someone else's vehicle for a short time until your new car is ready.
Or you could be planning to sell your car and your existing annual policy has run out but you're not ready to purchase your vehicle just yet.
Whatever your reasons for needing it, 1 month car insurance can be very useful and much more cost effective than getting a vehicle insured for a whole year unnecessarily.
Finding the right one month car insurance
In most cases companies won't insure drivers that are aged under twenty five for a month because they fall into a higher risk category. You probably won't be able to get temporary insurance if you don't have a clean driving license or if you've made previous insurance claims. Some insurers will refuse to insure cars that have been modified so make sure you're eligible before you start your search.
Start by looking online for appropriate insurers. You can do this directly through company sites or by checking price comparison websites. If you choose to compare prices you'll be able to get a clear picture of the different offers available so you can decide which one is right for you.
You could try looking for specialist insurers that only provide temporary policies as they may be able to offer you a better deal than other types of insurers.
It's worthwhile asking your existing insurer if they can give you a good deal as with so many competitors out there, insurance companies offer all sorts of perks to try to keep hold of loyal customers.
Once you've chosen your insurance make sure you understand exactly what you're covered for and if you're insuring on someone else's behalf then make sure they know what they can and can't do when driving the vehicle too.
For example it may be a requirement of your policy that your vehicle is parked securely in a garage or off the road at night so make sure you do this otherwise you could end up being rejected if you try to make a claim.