Monthly Car Insurance

Cheap monthly car insurance is super quick and easy to arrange when you only want to temporarily insure car for a month, rather than forking out for a rarely used annual policy

Calendar month with red pins

February 4, 2022

What is 1 month car insurance?

One month car insurance ‘does exactly what it says on the tin’ (or, in this case, ‘on the policy document’).

When you only require short-term, fully comp cover for around 4 weeks it’s a:

  • flexible
  • convenient
  • short-term
  • hassle-free
  • money-saving
  • fully comprehensive car insurance policy

Note: Some insurers’ monthly policies only cover 28 days but others like dayinsure.com cover 30 days.

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Can I get one-month motor insurance?

Most drivers can easily take out car insurance for month and although eligibility criteria can vary slightly between providers, the basic eligibility criteria are that you:

  • are between the ages of 17 to 70 (although some insurers like Aviva will cover you up to the age of 75, or tempcover.com will insure you up to the age of 78)
  • hold a provisional (for short-term learner driver insurance) or a full UK driving licence for temporary car insurance for month and certain insurers will also cover full EU/EEA driving licence holders.
  • have been a permanent UK resident for at least 12 months

Note: If you’re under 21 (or 25 with some insurers) and are no longer a learner driver, you will very often need to have held a full driving licence for a minimum length of time (i.e. 12 months). 

Up to 7 days

Reasons why you might not get a 4-week policy

Some insurers may decline your application for temporary insurance if you have fairly recently (typically within the last 6 to 12 months, or for certain criteria, within the last three years):

  • received too many penalty points on your Driving Licence
  • committed certain motoring offences
  • been disqualified from driving
  • had or have criminal convictions
  • made more than 1 or 2 claims where an accident was your fault
  • had a previous car policy voided or a previous application refused by an insurer

Note: Not all insurers will decline your application for temporary insurance for the reasons set out in the bullet-pointed list above. For example, Cuvva insurance states that there isn’t a fixed number of previous accidents, claims or penalty points that will prevent them from insuring you.

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Can I insure any car for four weeks?

Similar to annual insurance policies, most temporary insurance providers who provide short-term motor insurance require that a vehicle must:

  • be roadworthy and have a valid MOT (unless you’re purposely insuring a vehicle to drive it to an MOT station)
  • not be SORN’d / should be taxed (unless you plan to tax a vehicle immediately after a policy has been issued)
  • have no modifications (does not include disabled modifications)
  • not be imported or a right-hand drive
  • have no more than 8 seats
  • not be worth more than £75,000 (this limit can vary and be, say, £60,000 with some insurers)
  • not be a lease, hire or rental vehicle
  • not have been seized by the police and impounded (although certain insurers like insure4aday.co.uk offer a specialist 30-day impounded car or van policy)

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Can I get 28 day cover for a van?

Yes, you can; many temporary insurance providers such as goshorty.co.uk also provide monthly car insurance for van drivers.

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Why would I need car insurance monthly?

There are many reasons motorists choose to take out one month insurance such as:

  • a young learner driver wants to borrow a car to learn to drive in
  • an elderly relative, friend or neighbour who perhaps can’t afford a car on their pension (or the expensive annual insurance if they’re over 80) but needs temporary use of a vehicle
  • a relative or friend is visiting from another country for a month and wants access to a vehicle so they can be independent while they’re staying with you in the UK
  • your car might be off the road or written off and you need to temporarily borrow a car
  • you’ve ordered a brand new car and are awaiting its delivery
  • you’re going on a long road trip with a friend or relative in their car and want to share the driving

Note: Not all temporary insurers will offer add-ons or optional extras to a short-term policy but some do. For example, insuredaily.co.uk offers excess protection as an add-on to their temporary policies.

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What are the key benefits of monthly insurance UK?

The main advantages of one month insurance are:

  • the car owner’s no claims discount won’t be affected if you have an accident
  • you can be insured and fully covered to drive a car within a matter of minutes
  • you can economically insure your car for a short time for just when you need it
  • you can rest easy knowing there are no hidden fees or long term contract commitments
  • you avoid the hefty expense of an unnecessary and wasteful annual policy

Can I extend my insurance cover period?

Although some insurers will allow you to extend cover, it is usually simpler to arrange a new temporary policy for the required additional length of cover.

If you think you might need insurance for a bit longer than a month or perhaps your one month or 28-day policy is about to expire but you still want to drive for a few more days or weeks, then you can:

  • arrange temporary cover with most short-term providers for hours, days, weeks or months
  • consider taking out an interest-free, pay-monthly subscription policy with Cuvva that requires no deposit and can be cancelled at any time, penalty-free

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Read more: Cuvva Temporary Car Insurance Review

Does short-term insurance show up on ANPR cameras?

Not immediately, no. BUT… don’t panic as most temporary insurers make sure your policy details are submitted to the Motor Insurers Database (MID) as quickly as possible.

However, the MID might not upload the policy details for a week or more but you don’t need to worry, as not showing up on the MID is not illegal and does not invalidate your insurance.

If you are stopped by the police you simply need to show them your temporary insurance policy, so it makes good sense to have this easily accessible on your phone or to print off a copy and keep it in your glove box.

How can I get cheap car insurance for 4 weeks?

To get cheap monthly motor insurance compare quotes with Bobatoo and, before committing to a purchase, make sure you check the small print (terms and conditions) of a policy to ensure that both you and the car you will be driving are fully covered.

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Read more: The Best Short-Term Car Insurance in the UK