What is one month car insurance?
Monthly car insurance is a type of temporary policy designed to cover drivers for short periods of time. If you don’t drive often, you may opt for monthly insurance over a traditional annual policy as it allows you to pay for cover only when you need it.
It’s especially handy if you’re borrowing a friend or family member’s car as you don’t need to be added to their insurance and it won’t affect your No Claims Discount, or the car owner's – even if you have to make a claim. At Swinton Go!, we offer short-term insurance for up to four weeks at a time. All of our policies are comprehensive which means you can have the peace of mind you need, with the flexibility you want.
How does one month car insurance work?
We make getting cover for 28 days at a time nice and straightforward. You’ll need to give us some information about yourself and the car you’ll be driving and then choose a policy length that works for you – our temporary insurance ranges from one hour up to 28 days, just short of a month.
Once you’ve paid for your policy, you’ll receive your documents via email and you’ll be ready to go! You can also view them whenever you need in My Account or we’ll send paper copies if you need, just ask us on Live Chat.
What are the benefits of one month car insurance?
Considering temporary car insurance? Monthly cover could be the way to go. Benefits include:
- Flexibility and convenience – Choose a cover length that works for you, up to 28 days. Need longer? Taking out another policy only takes minutes.
- Comprehensive cover – Have peace of mind that you’re covered against accidents, damage, theft and injury
- Pay for the cover you need – Don’t pay for insurance you won’t use, you could save money
- Be on the road in minutes - Just fill out a quick form, pay for your cover and you’re good to go
- Protect the car owner’s No Claims Discount – Even if you have to make a claim, it won’t affect your No Claims Discount, or the car owner's!
- Borrow a friend or family member’s car – Get insured on your own car or someone else’s
How much does one month insurance cost?
The cost of monthly insurance varies, so it’s hard to say. Factors that influence the price of a premium include your driving history and experience, the vehicle and the type of cover you choose.
If you only need to drive for a specific amount of time, a short term policy like monthly insurance could be a more cost-effective option versus an annual policy.
The best way to find out? Get a quote online, it only takes a few minutes.
When might I need monthly insurance?
Monthly insurance comes with less commitment than a traditional policy, so it can be helpful if you don’t drive often but have a specific journey in mind. It can come in handy for:
- Students – Drive the family car while you’re home from university
- Professionals – Get cover for business use which your annual policy might not include
- Repairs – Borrow someone else’s car while yours is off the road
- Sharing the driving – Split a long drive, whether it’s a road trip or an errand, especially when sharing driving responsibilities with a friend or family member
- Emergencies – Instant cover means you can get on the road in minutes
What does monthly car insurance cover?
The specifics of your cover may vary but all of our policies are comprehensive and typically include benefits such as:
- Flexible cover from 1 hour to 28 days
- Cover for leisure, commuting, or business
- Accidental and malicious damage to the car
- Damage caused by fire, theft, or attempted theft
- Damage to another person’s vehicle or property
- Injury to another person following an accident
This summary does not describe all the Terms and Conditions of your policy, so please take the time to read the full details when you get your insurance quote.
Frequently Asked Questions
We offer temporary cover for up to 28 days at a time. If you need longer behind the wheel, taking out more cover only takes a few minutes.
When you get a quote, we’ll ask you for information about you and the car you’re insuring. Having the following details to hand will help you get cover faster:
- Personal information – We’ll need details like your full name, date of birth and address
- Driving licence number – This helps us confirm your driving experience and history
- Car registration – We’ll use this to verify details about the vehicle such as make, model and any existing cover
- Intended use – How you plan to the use the car can affect your insurance
- Cover requirements – We’ll need to know when and how long you need to be covered for
You’ll need to meet these requirements to be eligible for hourly car insurance:
- Hold a valid UK driving licence - we’ll ask for your licence number before providing a quote
- Have the vehicle owner’s permission to drive the vehicle
- Meet the provider’s age and driving experience requirements
- Have no serious driving convictions or penalties
Need longer in the driver’s seat? We can’t extend your policy, but taking out a new one is simple and you can be back on the road in minutes.
Yes, when you choose Swinton Go! for temporary insurance, you’ll benefit from comprehensive cover – all of our short-term policies offer this as standard.
We don’t offer temporary cover for learners, but our friends over at Marmalade do! They’re learner driver specialists, so if you’re looking for short-term cover that lets you get practice behind the wheel, they could help you find cover.