Car Insurance for less than 12 months?

oueyouey

Can anyone tell me if you can get car insurance which doesn't last for the full 12 months?

My car insurance is due for renewal in October 2005, i will be 24. My 25th birthday is not until January 2006. Can i get insurance to cover me until i am 25 and then take out a 12 month policy after my birthday and enjoy the "benefits" of being 25 as insurance should be cheaper

rebecca145

i am with admaral on a bonus accellerator the insurance last for 10 months,not sure if this is any use to you

MarkyMarkD

This idea that there is a sudden massive fall in insurance rates when you hit 25 is a myth.

Just renew your policy in October and then in October the following year.

The 10 month idea doesn't help as you actually need a 15 month policy to take you past your 25th birthday.

oueyouey

I didn't think that it was such as myth, I've been looking on the internet at quotes for car insurance and the difference between my age being 24 and 25 is at least £100 so far plus i will be able to drive a second car (third party only) which i haven't been able to do before

paulmarm

25 is the last major age milestone for insurance until 50! It is definitely not a myth.

However it is also very hard to find a company that offer less than 12 months cover. If you pay monthly you could cancel but then run the risk of cancellation charges. Plus if you end up claiming you are tied to the contract as the insurer has fulfilled their part.

I know that Endsleigh did a 6 month policy a long time ago http://www.endsleigh.co.uk but I don't know if they still do it.

Fleagle

Try a local insurance broker rather than going direct. This is something they may be able to help you with.

Alternatively, some insurers offer policies for more than 12 months (ie NU have 14 month for price of 12 at moment). If you can find a 15+ month policy then you'll be 2 years older at next renewal, although will miss out on any benefits this next renewal (which is obviously what you need).

Regards, Dave

We_Laugh_Indoors

norwich union have a scheme for nine months, i am not sure on the terms however but you should check their website

Norwich Union Car Insurance

MarkyMarkD

oueyouey wrote:

I didn't think that it was such as myth, I've been looking on the internet at quotes for car insurance and the difference between my age being 24 and 25 is at least £100 so far plus i will be able to drive a second car (third party only) which i haven't been able to do before

£100 on what amount? That doesn't sound massive to me :S

oueyouey

MarkyMarkD wrote:

£100 on what amount? That doesn't sound massive to me :S

when i had a look there was £100 difference in the quotes for exactly the same policy the only difference being age. It might not sound like a massive amount to you, but £100 is £100 and much better in my pocket than in the insurance companies.