Short term car insurance is very
easy to arrange, in fact you could easily have a policy in place within
the next 5 minutes.
There are two types of short term car insurance available in Britain at
the moment; one is for very short periods of between just a single day
and four weeks, and you can pick any number of days you wish, between
one and 28; the other is a rolling monthly 'pay as you go' policy and for this one you
buy a minimum of one month's cover and the policy is renewed every
month, unless you give at least two weeks notice of cancellation. This
can last up to a maximum of eight months under current legislation.
Sometimes, if you wish to have insurance for more than a couple of weeks
or so the monthly 'pay as you go' policy could prove to be the cheapest
option, as well as giving you a little leeway, depending
upon your own circumstances, but it is very important of course that you
remember to cancel it in good time otherwise you may end up being
charged for two months usage.
Both these types of policy offer either third-party or fully
comprehensive cover, and are valid within the UK and the EEC, although
it must be borne in mind that EEC cover is third-party only. You do
however have the option to upgrade this to fully comprehensive cover.
You can also arrange optional roadside assistance if you wish, both in
the UK and the EEC. More than one car can be insured, and you can insure
more than one driver for each vehicle if you so wish.
You, or the driver(s) you
nominate, can insure a car or van of up to 3.5 tonnes; it can belong to
you or someone else. Alternatively you can arrange for someone else to
be insured to drive your car.
You'll need to be between 18 and
75, with no more than eight penalty points on your licence, and have
held a full driving licence for a minimum of six months. Other
conditions apply, as is usual with a car insurance policy.
Buying a short term car insurance policy online is very quick and easy,
and once you have paid for the policy you can download the documentation
and print it on your home printer if you wish so that you can have proof
of your insurance if it is necessary to produce it. If the vehicle has
not been insured for a period prior to this you would be well advised to
make sure that you do in fact print these documents out and carry them
with you, just in case you are stopped by the police for any reason;
they will check with the motor insurers database as a matter of routine
and since it takes a little time, usually several days, for this
database to be updated they may not accept that you are in fact insured
without some evidence.
If you have previously made a SORN declaration in respect of the car you
do not have to inform anyone if you insure it and drive it on the roads
provided that it is taxed and holds a current MOT as well; but you must
make another SORN declaration when this cover runs out, unless it is
replaced with another policy.
If you wish to use short term car insurance to tax a vehicle, this is
now permitted provided that the insurance company is in agreement; the
companies that we link to are perfectly happy with this.
You can arrange short term car insurance at very short notice indeed, in
fact they can be purchased online 24 hours a day, seven days a week, 52
weeks of the year and it only takes a few minutes to arrange a policy.
Some people do in fact get theirs just before they set out on a journey,
but you can buy one in advance if you wish, with up to 30 days notice,
specifying the day and time that you wish cover to begin. This could
save you having to get out of bed 10 or 15 min earlier on the morning of