Car insurance for just 1 month

Most insurers will give you a yearly quote for car insurance when you start shopping around and people will need to fork out at least £600 on average to get their car insured. Some may be able to pay this amount in one go and others who are struggling to make ends meet will have difficulty in finding this sum to pay all at once.

However some insurance companies give you the option to pay your car insurance in monthly instalments rather than having to pay everything in one go. Although this is the most popular choice among drivers, it does add a charge to your premiums because you will have to pay interest on the quote you’ve received. Depending how high your quote is, it can be a substantial amount which is added to your quote and those seeking new drivers insurance are most likely to be affected.

An even better option was the Pay As You Drive insurance scheme which was pioneered by Norwich Union where drivers would pay their premiums on a monthly basis but the cost was calculated by the number of miles the driver was doing. Essentially, it was the “drive less, pay less” car insurance which has unfortunately been withdrawn (July 2008) now.

I don’t want to get tied up with a contract for 1 year, one month car insurance contract is what I want

There are times when the traditional yearly contract for car insurance does not suit your needs. For example, you might be visiting a foreign country and need to get your car insured to be able to drive it. So you may not be willing to commit to a one-year car insurance contract (fixed 12-months policy) when you are not sure how long you will be needing insurance for, especially if you know it is going to be less than a whole year. What do you do then? You cannot start a yearly car insurance policy and cancel it when you don’t need it. Well you actually can but you will still have to pay the outstanding balance and lose out.

Although there are short term car insurance policies around now, you can only sign up for a maximum of 28 days while a calendar month is normally 30-31 days. What you are looking for then is a car insurance policy which is flexible enough to be for a minimum of a month and renewable on demand if you ever need to extend your insurance cover, that is, whether you need 1 month car insurance, 2 months car insurance, 3 months car insurance or 6 months car insurance, you will still be able to easily renew your existing policy without entering all your details again (I hate having to do that!).

With eCar Pay As You Go Insurance policy, you pay a monthly premium for one month car insurance and just before your policy expires, you will get a reminder from them asking you whether you want to renew. Should you decide not to, your current insurance policy will then be cancelled, no questions asked, no hassle! The monthly rate that you pay will be guaranteed for 8 months if there are no changes to the details you provided during your application so that you can be sure that your insurance premiums will not be going up each month and to give you peace of mind. You will also be accumulating your no claims discount as usual and you can have multiple drivers on the policy as named drivers just like with any other standard car insurance policy with the only difference that it is on a 1 month car insurance basis.