Sometimes you only need a six month car insurance plan, not a full year. So this type of short term car insurance is gaining considerable popularity. Many cars are kept in the garage during winter, so when spring approaches it's time to find a good car insurance before you get on the road again.
The importance of holding a flexible car insurance policy is easily understood as there are many occasions when it isn’t feasible to renew your car insurance for a whole year. Especially if you don’t use your car on a daily or weekly basis.
Car insurance for 6 months only
Can you insure a car for 6 months? Yes! In fact, in many cases it is in your favour (financially) to opt for temporary car insurance plans such as the 6 month car insurance plan. If 6 months insurance is too much you can even get 1 month temporary car insurance. There are even weekly car insurance plans as well as daily plans on a pay-as-you-go basis.
There are many circumstances where you may only require 6 months car insurance (or less). If you:
- Go abroad in your vehicle for a limited time
- Only drive in emergencies
- Borrow someone else’s car
- Work away a lot so don’t drive at home often
- Are moving house and need to drive a van
In such cases you might be better off with a six month car insurance or an even shorter temporary car insurance plan.
Short term car insurance plans are good for people who own a second car or a classic car that they don’t drive all year round. Classic cars often only come out on sunny days and weekends and so paying for annual insurance can be wasted. This is where a cheap monthly car insurance plan could work better.
Short term car insurance companies
When you are on the hunt for 6 month insurance cover you will notice that there are only a few companies that offer this kind of insurance plan. The main and obvious reason for opting for this kind of insurance plan is the fact that it is more cost effective for you over annual cover.
When you opt for such insurance plans make sure that you carry out your research in advance. There are certain companies whose rate for monthly 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 very important as this will help you to reduce unnecessary expenditure.
Temporary car insurance plans
In many situations temporary car insurance plans are cost effective and a great way to reduce monthly outgoings. It is always sensible to go out and compare various companies to find the cheap short term car insurance deal for your personal circumstance.
Aviva & RAC
Aviva and the RAC do a short term car insurance plan using Dayinsure. They don’t currently have a specific plan for 6 months car insurance though you could do back-to-back temporary insurance if that proves cost effective. Temporary insurance policy key features:
- short-term cover 1-28 days car insurance
- this short term car insurance is for 19-75 year olds only
- for cars with a value less than £60,000
- immediate cover and pay-per-day car insurance
- options for breakdown and full EU cover for if you go on an international or holiday trip
Adrian Flux is another of the short term car insurance companies. They have plans for people who only require six months car insurance because they use a mobile home or camper van for certain times of year. They are also a provider that covers for modified cars and kit cars, just the types of vehicles that don’t tend to be driven year-round and so temporary cover is required. Temporary insurance policy key features:
- short-term car insurance cover 1-120 days
- this short term car insurance is for for 22-74 year olds
- for cars with a value of £25,000 or less
- includes modified cars, kit cars and motorhomes
Although they aren’t quite 6 month insurance plans, some of these short term deals are a good middle-ground to avoid paying too much. There are various criteria and eligibility factors for the different temporary car insurance plans, so be sure to get an online or telephone quote before assuming this is the answer for you.
Best short term car insurance
If you don’t feel confident going directly to an insurance provider you could always use the online comparison sites. Money Supermarket, Gocompare and Compare the Market can make it easier to make sense of all the options available. You enter some basic information about yourself and the vehicle and compare deals and the prices.
Bare in mind that some insurance providers don’t sign up to the comparison sites and so you could miss out on a cheaper deal elsewhere. It’s always best to cross-compare the deals you can find directly with what the comparison site says. Sometimes you can barter yourself a better deal than the website will offer.
Six month car insurance policy
Certain companies offer a six month car insurance policy with the same benefits as the annual cover; a real advantage which may also include free breakdown service, roadside repairs, EU cover and sometimes home repairs.
When shopping around for insurance it is always good to pit providers off against one another by letting them know the deal another company has offered you - they may well lower their deal to beat the competition!