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How long is my car insurance quote valid for?

How long is my car insurance quote valid for?

If you're looking for car or home insurance, you might see a great deal and make an impulse purchase there and then. Or you may want to mull it over, save your quotes and think about it for a bit.

But exactly how long have you got before you need to decide? And what can you do if you realise you've made the wrong choice after clicking 'buy'?

Daniel Hutson
From the Motor team
minute read
Do you know someone who could benefit from this article?
Posted 13 JULY 2020

Don’t I have 30 days to make a decision until the quote expires?

Not always; how long a quote is valid for is down to the insurance provider. Using our price comparison service you can save your searches, but there's no guarantee the price you saved will be the same as the price you get when you purchase.

This is because some insurance quote expiry times are as long as 60 days, while others update in 'real time' so could change at any point.

Also, once you save a quote, if you change any of your details, even tweaking your job description, the price can be affected.

All types of car insurance cover are competitive and prices change quickly. If you see a great deal for the right cover at a price to suit you, the only way to guarantee it is to buy there and then.

What happens if I clicked ‘buy’ too soon and I want to change my mind?

If you've been a little too keen and bought a policy that on reflection isn't quite right for you, don't worry. By law, you have a 14 day cooling off period and you can cancel the policy anytime within this time. Some insurance providers may even give you slightly longer, but you'll need to check with them.

Your 14 days 'cooling off' starts from when the policy begins or when you receive the policy paperwork, whichever is the later date. You should receive a refund for anything you've already paid for, but you'll probably be expected to pay for the few days that the policy was active for, as well as administration fees.

You can still cancel your car insurance policy after the cooling off period, and in most cases you'll be refunded for any months you have left on the policy. However, you'll most likely have to pay a cancellation fee and administration charges, so this may wipe out any refund you're owed.

How can I be sure I’m getting the right cover for the right price?

With so many car insurance providers out there, choosing the right level of cover at a price that suits you can be time consuming and frustrating.

Our price comparison service is quick and easy-to-use. We'll show you policies based on price, cover level, add-ons and annual or monthly payment options, helping you to choose the right policy to suit your particular needs in a matter of minutes.

And if that's not incentive enough, you'll be interested to know that 50% of our customers could save up to £289** on their car insurance.

Compare with us today and see if you could start saving.

**Based on Online independent research by Consumer Intelligence during May 2020 50% of customers could save up to £289.85 on their car insurance premium.

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