You need to insure a car for a month? No problem. Short-term insurance like this is now well established in the UK. So, you can have the peace of mind of knowing that you can benefit from the modern way of buying insurance which has already helped hundreds of thousands of British motorists to save money by buying cover for just the length of time that you really want it for. You can save time and effort by getting quotes within a minute or so via a quick and simple online form, and when you buy your policy you can have instant cover if you wish, making it ideal for those little emergencies that crop up from time to time when you need to insure a vehicle at short notice.
What sort of car can I insure?
It doesn't matter whether you own the car that you are going to insure or not, provided that you have the permission of the owner. It must of course be roadworthy, taxed and MOT'd (unless you're taking it to an MOT station for a test, and you have a confirmed appointment there) and it will have to be on the insurers' approved list, which usually covers the majority of cars on British roads. It must be registered and kept in the UK, unmodified (excluding modifications for a disabled driver, or conversion to LPG) and it should have no more than seven seats. These are the main conditions, and you should check the policy details of the insurer you intend to deal with to make certain that your car complies with any others.
How long can I insure a car for?
Any number of days, from one single day to 4 weeks.
Are there restrictions on drivers?
Drivers should be over the age of 20 and under the age of 75. Apart from this the stipulations are the same as with any other car insurance; a reasonable driving record will be expected and a full driving licence should have been held for a minimum of a year. If in any doubt should get a quotation; it only takes a moment or 2 to find out whether or not you would be accepted, and what the premium would be.
Is it expensive?
These policies are designed for temporary use only so it would not be an economical proposition to take one out every month instead of buying a conventional yearly policy! However they can save you a great deal of money if you only require cover for the odd month or two.
Do the insurance details appear on the MID?
Certainly, the details are passed onto the Motor Insurance Database within 24 hours or so of your taking out a policy and in the meanwhile you would be given a link to access all necessary documentation including the all important insurance certificate. You could save this link on your smart phone or print out your certificate just to be on the safe side; it often takes a couple of days or even slightly more at busy times for the MID to be updated so it may be useful to carry proof that you are insured just in case you need to produce it.
What type of cover is available?
Comprehensive cover is provided for driving within the UK. If you wish to drive in Europe you would automatically be given the the minimum legal cover for any other EEC country you drove through but this could be upgraded to comprehensive cover for an extra premium if you wished. You can also purchase roadside assistance, to cover the UK or the EEC as another optional extra.
Quotes are provided by Sky Insurance Services Group Limited and who are authorised and regulated by the Financial Conduct Authority no. 469048.
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