Some drivers may only need insurance for a short period of time rather than the standard 12 months of an annual car insurance policy. You may have a vehicle that you only intend on using for the short term and then may not require coverage after that. You may only need a stop gap policy to tide you over until a 12 month policy becomes affordable.
So is it possible to get a 6 months car insurance policy? Well there are no specific 6 month policies available to drivers in the UK but you can get shorter term cover that allows you to drive insured for that period of time. This type of policy is known as monthly car insurance or pay as you go car insurance. This is a type of no upfront cost car insurance which means it suits drivers who have generally high premiums due to their circumstances by allowing them to buy car cover a month at a time without the need for an upfront deposit.
With monthly car insurance you can get cover for between 1 and 8 months. It allows you to get insured for just 1 month, 2 months or even 6 months, in fact any combination up to and including an 8 month period. Unlike daily insurance where you pay upfront for the amount of days that you want to be insured for with monthly insurance you pay a month at a time, hence the pay as you go term.
With monthly car insurance you pay directly from your bank and this payment will be made every month until you decide you no longer need monthly cover. It saves time in having to contact the insurer every month to renew the policy. This way you pay for just the amount of coverage that you need. There is a minimum of 1 months cover.
With this type of insurance you can only get coverage up to 8 months. However if you make no claims during those 8 months then you will earn a full years no claims. As you probably already know that the more years of no claims bonuses that you accrue the bigger your discount will be on your next policy. The amount of discount varies from insurer to insurer but even just 1 years no claims can save you a sizeable amount on your annual car insurance.
You can buy this type of insurance online as you can with most car insurance these days. You apply just the same way as you would for any type of car insurance. The insurer will need to know details about yourself, the vehicle that you want to insure and any details about your driving history. There is no difference in the details you are providing the insurer as you would with any other insurer.
The only insurer that we are currently aware of that provides this type of policy is eCar insurance. As well as monthly no deposit car insurance they also provide other forms of short term car insurance such as daily insurance and can insure other vehicles such as vans and motorbikes.
