What if I need a policy for longer than one day?
If you need to use a car for longer than a day, for example if you’re borrowing one for a trip away, you could opt for temporary car insurance instead. This offers cover from one hour to 28 days.
However, if you need cover for longer you might consider these 12-month options. Annual car insurance can usually be cancelled once you’ve stopped driving the car but you may have to pay a cancellation fee:
A standard 12-month policy covers you all year round. The level of cover can range from comprehensive to third-party only depending on the amount of protection you need.
A telematics or black box policy is often suited to young drivers who want to keep the cost of insurance down. It involves using an app or fitting a little box into your car which allows insurers to track your driving style such as braking and handling. Insurers then base your price on how well you drive.
Pay per mile insurance also known as pay-as-you-go car insurance, could be a suitable option if you don’t drive very often, leaving you in control of how much you spend. You’re charged a set fee to insure your car while it’s parked and then you’re charged a small amount for every mile driven. The less miles you cover, the cheaper your insurance.
If a 12-month policy might make more sense for you, why not get a car insurance quote and see how much you could save.
Alternatively if you regularly drive somebody else’s car, you could talk to them about adding you to their car insurance as a named driver. Read more about how to add a named driver to your policy. This can be a cheaper option, but the risk is that if you have an accident, it could impact any no-claims bonus the primary driver has gained.