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When is my Car Insurance Due? How to Check If Your Car Is Insured

It’s illegal to drive without car insurance. There are severe penalties for driving uninsured, so it’s your legal responsibility as a driver to make sure your car has valid insurance at all times.

Is your car insurance still valid? Finding out is easy. Just head to the Motor Insurance Database, put your car registration in there and it’ll instantly tell you whether or not your car is insured.

When Does My Car Insurance Run Out?

Most car insurance policies last for a year, unless you get a short-term policy, or you request to leave the contract beforehand.

Your policy will usually run out at 23.59 on the expiration date. So if you have an accident at 00.01am the next day, you won’t be covered even though it’s only a few minutes later. This is why it’s vital you act to renew your insurance or get a new policy in advance.

Don’t leave things until the last minute!

Can’t remember on what date you took your insurance policy out?

Try the following:

  • Check your policy documents
    They’ll usually spell out your policy’s start and end date.
  • Search your emails
    You might have received emails about your renewal from your insurer.
  • Call your insurers
    They’ll be able to tell you everything you need to know, and you might be able to talk about renewing.

How can you ensure that you never forget that your car insurance is due? You could add the expiry date to your calendar, perhaps with a monthly reminder in the final few months. Or you could schedule a reminder with your phone.

You can also talk to your insurers about automatically renewing your policy each year. That way you’ll never have to worry about driving uninsured, though you might miss out on possible savings from other providers.

What If My Car Insurance Has Already Expired?

You’ll have to get yourself insured immediately. If you’re caught driving uninsured, you’re looking at a hefty fine and six penalty points on your licence. You could also ruin your chances of getting cheaper car insurance in the future.

Call your insurers and ask to renew, or find a new provider, fast!

Could I Save Money on Car Insurance?

Is your car insurance about to expire? Then there’s no better time to shop around for a better quote.

At Go Girl we have dedicated car insurance for new drivers and young drivers. We’re committed to giving you all the cover you need at a price you can afford.

Our comprehensive cover includes personal belongings cover of up to £100, legal cover up to £1,000, and personal accident cover up to £5,000. You can also add RAC breakdown cover to your policy, so help will always be at hand, no matter what.

We can get you a quote and instant cover online in minutes. Head here to learn more.