Car insurance for limited period?

tigerdragon

Hi all,

My car insurance is due for renewal on the 13th February, but I am actually going travelling for 9 months on 2nd March, and will therefore be selling my car.

My dad has agreed to do the selling for me once I've left, as I will not get chance to do it myself due to me requiring a car for work up until my last day in the UK.

Can anyone suggest the best way for me to approach this?

Things to consider are:

- I do not know exactly how long it will take to sell the car, therefore I do not know how long I will need to re-insure it for.

- I will not be in the UK to cancel the policy myself once the car is sold.

- My renewal premium has shot-up from £264 last year, to £320 this year for no reason whatsoever, despite an additional year's NCB (thanks MoreThan! :mad: ), so I am possibly looking for another insurer, though I'm trying to keep things simple due to tight deadlines, etc.

I have always paid my insurance premiums in a sinlge payment, but for obvious reasons, I don't really want to do this for what could be just 2 or 3 weeks of insurance. ...Does anyone know, if I was to do this, whether I'm likely to get refunded the whole year's premium, minus the cost of the actual period I required the insurance for? So for example, if I needed the car to be insured for 3 weeks, would they refund me 49/52 of the year's premium? Or are they likely to charge me some extortionate percentage or administration fee for cancelling the policy?

Please note, due to the places I will travelling to, I will not often have easy access to phones or the internet to try and resolve any issues with the insurance company related to cancelling the policy or getting my money refunded - so the more straightforward, the better, (especially if it's my poor old dad that has to do all the work for me!).

Any advice would be really appreciated!!

maclean2

Hi - suggest you try monthly pay as you go with
https://www.ecarinsurance.co.uk

Hope you enjoy your travels.

MarkyMarkD

Check your current insurer's terms and conditions.

Many companies will not charge short period rates (i.e. penal rates) for short periods of cover, in the second or subsequent year of insurance.

If this applies to your insurer, it will be cheaper than obtaining short term cover elsewhere.

And cancelling is easy - write an undated letter to your insurer, and sign it, and get your father to date and send it with the certificate of insurance when you wish to cancel. Send it by recorded delivery to reduce risk of loss.