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car insurance 21 days early?

so i have been searching for new car insurance today, but it is no cheaper. insurance runs out on the 3rd july, so need cover from 4th july. Have i counted the days wrong?:embarasse
alos, as it is early have had no renewal quote yet, should i wait for that, or mail them and ask what it would be??
thank you.

Comments

  • FutureGirl
    FutureGirl Posts: 1,252 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    Your renewal should be generated about 30 days before it's due to renew... so I usually just do on line chat with customer services with my insurer on that date rather than waiting for the post.
  • MovingForwards
    MovingForwards Posts: 17,128 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    What time does it run out? Only asking in case you took the policy out at a random time and it didn't start from midnight.

    Phone your insurance company to check the date it runs out, ask for their best quote and see if you have it set to automatically renew.
    Mortgage started 2020, aiming to clear it in 2026.
  • Nasqueron
    Nasqueron Posts: 10,105 Forumite
    Tenth Anniversary 10,000 Posts Photogenic Name Dropper
    The 21 day thing isn't guaranteed, it's just an average based on the data they have

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • forgotmyname
    forgotmyname Posts: 32,796 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    My renewal comes through just 2 weeks before its due. Before they started emailing the renewal i would get its with less than 10days left to go.

    Xmas and the new year.. Silly time for my insurance to expire.
    Censorship Reigns Supreme in Troll City...

  • DigForVictory
    DigForVictory Posts: 11,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My lot do not get in touch with me til about a fortnight before.

    I was a tad peeved to find they had a more accurate point & prang record than I did so all my research was wrong. They still offered me a rate less than last year & I've kept the P&P data for next year...
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