As the title says, I am going to turn 21 in mid June and only need insurance till then but short term insurances only offer short terms insurances to 21's & over! which is very frustrating plus the fact they only seem to do 1-28d ays...

Now is there something out there for me that I don't know about?

Is it possible for me to take out insurance, do it monthly and just before my birthday i'll cancel it and do a new one. Can I do that?

Thanks in advance.

y do u need it till you are 21? whats happening when you are 21?

Well my premium will drop a huge amount. That's like the watershed age. Once you've hit 21, your premium drops by a huge amount.

Then they will re-adjust your premium accordingly. Oh and 25 is the water-shed age. My premium at 21 wasnt significally different from when i was 20.

Hm. Thing is, I wanted to pay every 6months but since the watershed age is 25, guess that goes out the window although I will call them up about my age change and get it lowered :)

Best quote i've had so far is RAC. I was gonna go with Norwich Union but there customer service is absolutely crap basically so yea.

Edited 7 March, 200719 yr by emzino

Ecarinsurance

they do 1 month policys, which you can just continue each month. if you take out 8 in a row they give you a 1 year NCB which i thought was good.

its more expensive than just taking out a year policy and cencelling it after 3 months (cancellation fee of 35 usually)

but at the end of the day its up to you which you choose to do.

have a look at ecarinsurance oh and another thing... a lot of people find ecarinsurance cheaper if they put they have mods??? i dont understnad this either! but there you go !

If your on a normal policy i dont think they refund money once you turn 21. They certainly didnt with me.

Also it doesnt go down really when you turn 21, its **** they tell you to make you buy their insurance.

Try Elephant and Bell for cheap quotes.

I was gonna go with Norwich Union but there customer service is absolutely crap basically so yea.

Couldn't agree more mate

They give me good prices, but they aren't half a bunch of idiots.

I mean, REAL idiots.

Even the ones with "ok" english accents

Yes they are rubbish, i spent 20mins telling them my postcode... for some reason the letters L & S arent in there dictionary.

Then i had to tell my number plate...

I did a very similar thing when i was 18 waiting to be 19, i took a 3 month policy out (none of this renew each month rubbish) with lancaster (higly recommended), i also went for limited mileage as i could easly work out that for 3 months and it made it cheaper. The policy ended shortly after i was 19, i then shopped around for a quote, and i was quids in. i basically ended up with 15months of car insurance for the price of a very competitive 12

Trust me being 19 and holding a license for 6months is much cheaper than 18 and a couple of months.

So i assume that method of cheapskatness will work with you too.

recomend Quinn Direct Cheapest Around I Believe

Hm. Thing is, I wanted to pay every 6months but since the watershed age is 25, guess that goes out the window although I will call them up about my age change and get it lowered :)

Best quote i've had so far is RAC. I was gonna go with Norwich Union but there customer service is absolutely crap basically so yea.

RAC Insurance IS Norwich Union. I'm with RAC Insurance and have had no problems with them at all, they were very helpful when some guy totalled my passenger side in a car park (I wasn't even in the car at the time!). Always been quick and helpful on the phones and they sorted it nice and quick, they used a VW approved bodyshop, nice results too :-D .

I'm 21 (was 20 when I took out the policy) and have used the 6 months payment thing.

Edited 25 April, 200719 yr by Bronx2282

I heard that with Elephant insurance this is a massive loop hole in the small print saying basically if you crash we can decide not to pay out which i thought was wierd. Try Direct line i got my insurance from 1000+ down to £701 with them, plus my G/F has her insurance with them of which i am a named driver and it went down to mid £600's

I had a bump when i had insurance with Diamond (which is a trading name of elephant and admiral)

and i had no problems with them, all i did was fill in a form and that was the end of that! Easy.