Cheap Car Insurance For 3 Months in UK, Ireland - Insure Your Car For 1 To 3 Months

Many UK motor insurers do not specifically offer short term 3 months student or young car insurance plans for 17 to under 25 year olds, but will simply calculate the required premiums based on your age, driving records, claims made and penalty points on your licence over the past 3 years. If in doubt, just request for a free quote over the internet to check out what are the rates offered to you by that company. You never know which insurer is going to be the cheapest, so just go online and download as many free young car insurance quotes for 1 to 3 months as you can!

1 to 3 month car insurance policies are often bought by non residents and foreign students who are living temporarily in UK. They may rent a vehicle for a few months to travel around the country or for convenience, but will not be driving on a full time basis, so temp car insurance on a month by month basis suits their needs.

To find the cheapest and best short term car insurance cover for one to three months, look specifically for pay as you go car insurance companies such as Tempcover.com, Churchill or eCar Insurance.

There are a number of scenario where temporary 3 months car insurance can be useful. For example, you are going to upgrade to a new vehicle soon after your current insurance plan is due for renewal. Instead of buying another annual plan, getting pay as you go car insurance for 1 to 3 months can be more flexible and does not tie you to a long term car insurance contract.

Similarly, if you are going to sell off your vehicle and leaving UK for work or further study soon, a short term 1 to 3 month car insurance will probably be more applicable instead of trying to transfer the insurance contract to the new vehicle owner.

Buying pay as you go motor insurance for 1 to 3 months does not mean you need to sacrifice on coverage options. By choosing a good UK car insurer, you still get to have either third party only or fully comprehensive insurance coverage on your car or van.

You can also choose the level of policy excess required to balance your insurance costs versus the amount you need to pay for each accident damage claim. If you need breakdown cover, free customer hotline etc, make sure your insurer provides these as well during your few months of driving.

Cheap Car Insurance For A Month

Ask whether the insurer allows buying month by month car insurance which is a flexible extension of the plan that suits drivers who are unsure of the exact period of coverage needed. You start by purchase just 1 month car insurance and buy another month of coverage as and when you need.

If you need to add multiple drivers for the same insured vehicle, note that some companies may not allow it on their 1 to 3 months car insurance plans. On the same note, not all UK car insurers recognize and give no claims bonus discounts on short term pay as you go car insurance plans, but some do so and will be cheaper for you.

Note that insuring your car for 1 to 3 months means meeting more stringent requirements compared to annual insurance plans. If you have more than 6 penalty points on your driving licence, or have made a claim due to your driving fault over the past 3 years, you are not likely to get any valid insurance quotes and offers. This is because the companies can only collect a smaller premium for the few weeks of coverage, which is insufficient for accepting high risk drivers that are likely to make a claim during that period.

Hence, no modified vehicles, high performance sports cars or imported cars are likely to be insured for 1 to 3 months by any UK motor insurers. You are more likely to get a quote for insuring a low risk vehicle found in the lower British Car Insurance Groupings.

It may not be easy to get 3 months car insurance for under 21 year olds because motorists aged between 17 to 21 have been identified as more likely to speed dangerous and cause road accidents. Try taking the Pass Plus driving course to improve your risk profile and having good grades in school can also mean a higher chance of being accepted by an UK insurer such as Tempcover.com, Elephant Car Insurance (UK) etc.