Yes, many temporary car insurers will offer cover for 6 months. In fact, you can choose the exact length of your temporary policy, whether you need insurance for a few hours, days, or months. This alternative to annual car insurance can be useful in a range of circumstances where you only need temporary insurance coverage on a vehicle. It can offer the same comprehensive cover, while cutting down on the unnecessary cost of a full year’s premium.
Typically, car insurance policies last for twelve months and can be renewed thereafter. However, not everyone requires cover for the full year. Six month car insurance lets you choose from the same levels of coverage for only the time you need. You can specify if you want comprehensive, third party only, or third party, theft and fire cover. You can also choose exactly when you want a policy to start and end, with the option of immediate start insurance.
The exact length of temporary insurance cover is open to your needs. So whether you need 2 month car insurance or 3 month car insurance, you can customise this cover.
When you buy 6 month car insurance you only pay for the cover you need. Although you may pay more for per month than in an annual policy, the overall cost is likely to be lower.
Temporary insurance can be used to fill coverage gaps in your annual insurance in the short term. For example, if you only need business use cover for 6 months, this could be cheaper than adding the extra cover to your annual policy.
When you claim on a temporary car insurance policy, your no claims bonus will not be affected on any annual policy you hold.
For example, if your car has been written off after an accident, and you’re waiting for an insurance payout or a new car to arrive.
For example, sharing a friend’s car while you look for your own to buy.
For example, learner drivers practising in family or friends cars outside of their lessons.
For example, young drivers returning home from university for the summer and borrowing their parents’ car.
For example, a digital nomad buying a car for a six month stay in the UK.
For example, drivers with expensive premiums who opt for short-term insurance while saving for a more comprehensive annual plan.
Much like annual policies, the cost of your 6 month insurance policy will be tailored to the risk of insuring you on the road. If you are a new driver, or have past motoring convictions, you will pay much more than someone with a clean driving record and long no claims history.
Finding cheap car insurance for 6 months starts with finding insurance companies and brokers specialising in temporary coverage.
Comparing prices and policies across these insurers can help you identify options within your budget.
Always be sure to compare the exact coverage and exclusions on each policy, as the cheapest 6 month insurance policy is not always the best option. Ensure the cover you choose matches your needs.
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Wolverhampton, United Kingdom
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