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Monthly or short term Insurance
dhutch - 29/11/13 at 02:22 PM

Has anyone got an experience with taking out insurance for a a month or so?

I'm back in the country for about 4-5weeks, before going away again for 2-3 months, and then moving back permantly.
Plan was to just mot and re-insure the car from now and take the hit on the 2-3months, but its now failed and im looking at stop-gap options till I replace it long term or repair it.


Daniel

nick205 - 29/11/13 at 05:42 PM

Hire car?

Slimy38 - 29/11/13 at 05:50 PM

Assuming that even if you replace it you'll need insurance on the replacement, wouldn't it be better to just start a standard year policy? From memory it only takes a few months for those monthly insurance policies to exceed the price of a normal one.

morcus - 29/11/13 at 05:50 PM

Remember you'll need to send back the tax when you finish, the whole thing will be a massive pita. A second vote for renting.

dhutch - 29/11/13 at 05:53 PM

quote:
Originally posted by nick205
Hire car?
It's an option but I have free use of a car (all be it a 1.4 automatic polo) which appears idea if I and i can make the insurance work well all the better.

Daniel

sdh2903 - 29/11/13 at 06:16 PM

Does someone else insure it? If so could you be put on as a named driver?

dhutch - 29/11/13 at 06:20 PM

quote:
Originally posted by sdh2903
Does someone else insure it? If so could you be put on as a named driver?
Currently uninsured but taxed and tested AFAIK.

Sounds like experience matches my intiall searches and suggests it's not really an option.


Daniel

owelly - 29/11/13 at 07:56 PM

If it has tax, it has to have current insurance. That's the law.
I've used short term insurance to move vehicles and although not cheap, it's cheaper than a full years policy to cancel after a couple of weeks, or getting tugged for no insurance!!