If you are not a car owner, but you need to use a car for a month, you will need to have one month car insurance to cover you should the unexpected happen. Because most insurance policies are taken out over a period of 12 months, there is a different set of insurance policies uniquely designed to cover this situation.
Why do I need one-month car insurance?
Many situations may require you to need one-month car insurance, including moving home, borrowing someone else’s car, or needing a bigger vehicle to transport a larger number of people. You will also need one-month auto insurance when you are test driving a car or hiring one for the month.
What type of cover is it?
Although this will vary from policy to policy, it will typically involve having comprehensive cover, which will cover you if you crash the car while driving it. Just as important is the fact that with this level of cover, the actual owner of the car will not lose their no-claims bonus should a collision occur.
Who is eligible for one-month insurance cover?
Just like standard insurance policies, being accepted for one-month auto insurance comes down to several factors such as your age, your finances and your driving record, and the typical starting age is 19.
How much will it cost?
The cost of one-month car insurance will depend on the value of the car and your driving history. If you’ve had several collisions in the past or you have points on your licence for bad driving or speeding, then you can expect the cost to be higher than for someone with a spotless driving record.
The advantages of one-month car insurance
One-month car insurance is a relatively inexpensive way of getting insurance for a car that you will be driving for a short period of time. It will also give you more flexibility, not tying you down to a long-term contract. Also, because you will be paying upfront, there will be no hidden costs later on either.
If you are looking to drive a car for no more than 24 hours, then one-month car insurance is the best option, as it is a quick and easy way to make sure you’re covered should the worst happen.