Finding Affordable 6-Month Car Insurance: A Step-By-Step Guide

Recognizing the need for flexible car insurance is crucial, especially if you don’t use your car daily. This is why all sorts of short-term car insurance policies exist, such as month to month car insurance, one day car insurance, and 1 month car insurance.


For those who store their cars in winter and resume driving in spring, a six-month insurance plan often makes more sense than committing to a full year. Short-term car insurance for six months is becoming popular for its flexibility. To help you find the most affordable six month car insurance options with favourable conditions, we’ve compiled a list of insurance companies and comparison sites.

To get the best 6 month car insurance quote, make sure to use online car insurance comparison sites.

Why insure car for 6 months only?

Can you insure a car for 6 months? Yes! In fact, in numerous instances it is in your favour (financially) to opt for temporary car insurance plans such as the 6-month car insurance plan. There are many circumstances and reasons where you may only require 6 months car insurance (or less). For instance, classic cars often only come out on sunny days and weekends, and so paying for annual insurance can be a waste. This is where a cheap monthly car insurance plan could work better.

Here are some concrete examples:

  • Selling a Car: If you’re planning to sell your car within the next six months, a 6-month policy can save you money compared to a full year’s worth of coverage you won’t be using.
  • Borrowing a Car: A 6-month policy provides temporary coverage if you need insurance for a borrowed car.
  • Seasonal Driving: For those who only drive during specific seasons like summer, a 6-month policy avoids paying for months you won’t be on the road.
  • Anticipating Changes: If you are expecting major life changes like moving or job shifts that might affect your driving habits or insurance needs, a 6-month policy allows for easier adjustments at renewal.
  • Trying Out a New Insurer: A 6-month term lets you test the waters with a new insurance company before committing for a full year.
  • Budgeting Concerns: Paying in smaller instalments could be easier on your finances compared to a large upfront lump sum for a 12-month policy.
  • New Drivers: Young drivers or those with limited driving history might initially see lower rates with a 6-month policy, as insurers gather more data about their driving to refine their pricing.
  • Driving Violation Forgiveness: A driving violation falling off your record within the next six months could mean lower rates upon renewal with a new 6-month policy.
  • Paying Off Car Loan: If you’re close to paying off your car loan and no longer require comprehensive coverage, a 6-month policy provides temporary protection until the loan is fully settled.

Drawbacks of 6 month car insurance

Despite the advantages, there are certain drawbacks associated with opting for a 6-month car insurance policy. One notable consideration is the potential for encountering slightly higher premium rates, as some insurers may charge more for these shorter-term policies compared to their annual counterparts. Additionally, there is the risk of facing cancellation fees if you decide to terminate the policy early, thereby diminishing the cost savings that initially attracted you to the shorter duration.

Another factor to take into account is the increased frequency of policy renewals, which can become inconvenient for individuals who prefer less frequent administrative tasks related to their insurance coverage. These drawbacks highlight the need for careful evaluation before committing to a 6-month car insurance plan, ensuring that the potential disadvantages are weighed against the benefits.

6 month car insurance cost in UK

Insurance costs can vary widely based on various factors, including the individual’s driving history, the type of car, coverage needs, location, and insurance provider.It is difficult to give a definitive answer to how much 6-month car insurance will cost in the UK. However, as a general guide, you can expect to pay anywhere from £200 to £1,000 or more for a 6-month policy.

To get an accurate and up-to-date quote for 6-month car insurance in the UK, it’s recommended to contact insurance providers directly or use online tools provided by insurance companies. You can visit the websites of insurance companies, use comparison websites, or speak with insurance agents to obtain personalized quotes based on your specific circumstances. Insurance rates are subject to change, and various factors influence the pricing, so obtaining quotes directly from providers is the best way to get current and accurate information.


6 month car insurance companies

When you opt for such insurance plans, make sure that you carry out your research in advance. There are certain companies whose rate for six month plans are higher than the annual insurance plans. However, even if the payment for a 6-month insurance plan is more per month than yearly cover, you will often still be saving money. If you are not using the vehicle for months at a time, why pay for it to be sat in a garage? Carrying out your research in advance is essential, as this will help you to reduce unnecessary expenditure.

Here’s our selection of one of the best 6 month insurance providers in the UK:

Aviva short-term car insurance

Aviva offers 6-month car insurance, but in specific circumstances. They don’t have a general 6-month policy option like some other providers. Aviva’s standard car insurance policies are annual, meaning they run for a 12-month period. However, you can choose to pay for them monthly instead of upfront. While this spreads the cost over time, it’s generally more expensive than paying annually as interest is charged.

In addition to its standard policies, it offers 6 months of free accompanied driver cover to young drivers who are added to a policy as a named driver. This allows them to gain driving experience under the supervision of a qualified driver before taking their test. There’s also Aviva temporary learner driver insurance that can be purchased for periods as short as 2 hours and as long as 5 months. This is a good option if you’re only learning to drive for a short time or want to take a break from lessons.

Moreover, Aviva offers temporary car insurance for drivers who need cover for a short period, such as if you’re borrowing someone else’s car or renting a vehicle. This can be purchased for periods ranging from 1 day to 28 days. Find out more about Aviva short term insurance.

More info about Aviva

2. Adrian Flux 6 month car insurance

Adrian Flux provides 6-month van insurance policies, known for their flexibility and tailored solutions, particularly for drivers facing challenges in securing insurance elsewhere. Whether you’re a young driver, own a modified van, or have a less-than-perfect driving history, Adrian Flux can offer you a suitable 6-month policy. You can easily obtain a quick quote online or consult with one of their knowledgeable advisors over the phone.

Unfortunately, Adrian Flux does not display specific prices for 6-month van or commercial vehicles policies on their website, requiring you to request a personalized quote to determine the associated cost.

More info about Adrian Flux

3. Admiral short term car insurance

Admiral is among the top car insurance providers in the UK. While Admiral doesn’t provide a direct 6-month car insurance option in the conventional sense, their standard car insurance policies typically operate on an annual basis. However, they do offer a practical alternative in the form of temporary car insurance for individuals who only require coverage for a brief period. This option allows you to secure insurance for as short as 1 hour to as long as 60 days. If your coverage needs extend beyond this period, you can purchase multiple policies, although there will be a gap between each policy.

For those who already have an existing Admiral policy, integrating this short-term cover is possible by reaching out to their customer service team. It’s worth noting that if you don’t currently hold Admiral motor insurance, they won’t be able to offer you temporary coverage directly. In such cases, you may explore the option of obtaining temporary cover through Veygo by Admiral, providing an alternative solution for your short-term insurance needs.

More info about Admiral Car Insurance

Six month car insurance policy in UK

While annual car insurance remains the norm, certain companies offer six-month policies with equal benefits, including breakdown assistance, roadside repairs, EU cover, and even occasional home repairs. This flexibility can be ideal for shorter car ownership periods or changing driving needs. However, not all providers offer identical 6-month perks, so comparing options is crucial.

When negotiating, always pit quotes against one another, letting insurers know about competing offers. Don’t hesitate to compare different companies through comparison websites or customer reviews to find the best deal. Remember, while temporary plans can be cost-effective in specific situations, they may carry slightly higher premiums or cancellation fees compared to annual policies. Weighing all factors and comparing options thoroughly is key to finding the short-term car insurance that perfectly fits your needs and budget.