Is it possible to get short term car insurance?

Hoogie

Hi all,


I have just bought my first car, having been a named driver on another car since September 2006, and I am looking to get myself insured on it. Unfortunately the prices I am being quoted are way more than I was hoping for so I hoped I may be able to get some advice here.


I am a 23 year old postgraduate student who has worked for 18 months before returning to my studies. However I will be 24 in July and I am starting my new job in September. I assume that my insurance premiums will be much lower come September as I will be 24 and in full time employment.


1) Is there any way that I can get temporary car insurance for the next three months until my premium comes down?

2) If not what is a reasonable voluntary excess to use on my insurance to bring the premium down? I have found that with a £500 voluntary excess I can get insured by Switcover or Admiral for under £800. Is a £500 voluntary excess too much?

lisyloo

assume that my insurance premiums will be much lower come September as I will be 24 and in full time employment.

I think your assumptionis wrong.
Going from 23 - 24 or getting a job does not massive change your risk factor, but don't take my word for it, get 2 quotes with different data and compare.

Is there any way that I can get temporary car insurance for the next three months until my premium comes down?

There is but it won't necessarily save you money.
You can either get a monthly policy (but it can be expensive) or you could get a policy and then cancel, but there are charges for cancelling so again it doesn't necessarily mean a saving.

Is a £500 voluntary excess too much?

Can you afford to pay £500 PLUS the compulsorary excess if you have an accident?
It really is an individual decision because it all comes down to whether you can afford it.