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It is a legal requirement to have car insurance in the UK for cars driving (or parking) on public roads. If you are caught without insurance you could be heavily fined.

Car Insurance ensures you are legally covered if the worst were to happen. This could be an incident, theft, fire damage or vandalisation.

If you are looking at insuring a car subscription, short-term car lease or contract hire vehicle, you would be required to provide fully comprehensive car insurance for the duration of your contract.

But generally on privately owned vehicles, third-party car insurance is sufficient, this would not cover your own vehicle but would protect you against costs associated with the person’s car if you were to be in a vehicle collision.

There are providers that offer short-term car insurance that will cover vehicle subscription contracts, but these can prove costly.

We would highly recommend taking out an annual policy and transferring this to a new vehicle or cancelling early if you were to send the vehicle back mid-year. Although there may be cancellation charges to pay, this could still offer a cost saving against using a short-term insurance provider.

Car insurance policies are made up of an annual or monthly premium. Monthly premiums usually require a deposit to be paid and then a monthly direct debit, interest is also usually chargeable. Annual policies are paid in a single lump sum.