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Monthly car insurance is a short term, comprehensive policy which can be purchased for a maximum of 28 days. Those wishing to insure for more than 28 days may simply by another policy when the earlier one expires. Like every form of car insurance there are terms and conditions and some of the main ones are listed below. Before buying insurance you should of course look at the policy to make sure that all your needs are covered.
What is included?
Under normal circumstances cover extends to commuting to and from work, domestic, and pleasure purposes. You can insurer car that you wish to test drive, lend your own vehicle to family or friends, take over as a driver if it is necessary at short notice, or share the driving with another person on a long journey.
What type of cars can be insured
Each insurer has a fixed list of vehicles which will be accepted. Generally, you can apply for cover on a vehicle that you own, one that you have borrowed with the express permission of the owner. The following exclusions usually apply:
- It must be unmodified from the original manufacturer's specification (this is waived if the alterations are to accommodate a disabled driver or passenger)
- It must be registered, and normally kept, in the United Kingdom
- It must not be currently registered SORN
- The current market value must be a minimum of £1500
- The vehicle cannot be covered for more than £45,000
- It must have no more than seven seats, including the driver's
- It must be a standard, right-hand drive, UK specifications car
- It must not be impounded
- It must be either owned by yourself, or borrowed with the express permission of the owner.
Who can apply for a policy?
Motorists between the ages of 19 and 75, with full driving licences which were issued at least a year ago in the United Kingdom, The European Union, and certain Commonwealth (Zimbabwe, Australia, New Zealand, Canada, Singapore, South Africa, Gibraltar, the Falkland Isles, and Mauritius) are welcome to apply.
Are any drivers excluded?
It is unlikely that the following motorists would be accepted by the underwriters:
- Unemployed people, professional sportspeople, those in the entertainment industry, fast food delivery drivers, couriers or parcel deliveries
- People with unspent criminal convictions or pending prosecutions
- Anyone who has been disqualified from driving or have a driving licence revoked within the past five years
- Anyone who has had more than two motor insurance claims during the previous three years.