If you need to use a car for a month most short term car insurance policies can cover you, but it is not always the cheapest way to insure your car.

All the insurers in the table above can cover you for at least 28 days, but it can sometimes be cheaper to take out and cancel an annual policy even though you will need to pay a cancellation fee.

This is because short term cover is usually more expensive per day than annual car insurance.

Is short term or annual cover cheaper for one month?

It depends, short term insurance will almost always be cheaper for less than a month, but annual cover is often the best option if you need cover for longer.

To find out you should get quotes for both short term and annual car insurance to work out which is cheaper. Make sure you find out what the cancellation fee is. For example:

  • Short term policy quote: For 28 days of cover = 205.

  • Annual policy quote: Initial payment of 150, and a cancellation fee of 35. Total cost for one month's cover = 185.

In this example, it is 20 cheaper to take out and cancel an annual policy.

Make sure you check the cancellation fee, as some insurers will charge up to 70.

Should you take out one month cover?

Even if you find an annual policy works out cheaper, it can be better to get a short term policy.

If you take out an annual policy some insurers will insist you pay the full premium if you make a claim.

If the total cost of the cover for a full year is 1,000, you will need to pay this amount even if you cancel it after a month if you have made a claim, so make sure you check the policy for this when you compare quotes.

If you need a vehicle for only a few days or weeks, it will almost always be cheaper to take out a short term car insurance policy.

Whichever option you choose you need to make sure you get the right level of insurance, not just the cheapest. This guide explains what car insurance protects you against.

One month car insurance FAQs

Q

Can I get car insurance for a temporary period?

A

Yes you can get short term car insurance that can last from one day up to three months. Here is when you should consider short term car insurance.

Q

How old do I have to be to get one month car insurance?

A

Some insurers will only cover you if you are between 21 and 75 years old, but many will cover you. Compare temporary cover for 18 year olds here.

Q

Is the excess higher on short term policies?

A

Yes it can be, especially if you are a younger driver. Some insurers will set an excess of as much as 1,000 for short term cover.

Q

What is car insurance excess?

A

It is the amount you have to pay towards any claim you make. Find out how car insurance excess works here.

Q

Can I drive a car without insurance?

A

No, it is a legal requirement to have at least third party car insurance cover to drive in the UK.

Q

What happens if I do not have car insurance?

A

It is illegal to drive in the UK without insurance and you could face a fixed fine, six points on your licence and your car being seized and destroyed.

Q

What does car insurance cover?

A

It can cover damage to your and another driver's car after an accident. It can also cover theft, vandalism, fire and more.