Is there such a thing as temporary/short-term car insurance

another question

Hi all,

Basically, I am about to get my third provisional licence. I have my eye on a automatic peugeot 206, 1.4, 1999.

I had a driving instructor previously who I really like but I wasn't really that serious at the time and only had 2 lessons but he has since gotten rid of the automatic learner car he had. He said I should only need another 3-4 in an auto to be test ready and I have to show confirmation of my booked test in order to obtain a third permit.

The problem arises as follows:

There is a hugh difference, nearly €1000 between insuring the above car on a provisional and a full licence.

My question is, is it possible to insure the car for say a month? so that I can have the couple of lessons and take the test and then take out an insurance policy quoted on a full licence?

I am in a catch 22 as no driving instructors in Sligo seem to have auto learning cars so therefore I have to have my own and I cannot afford to buy and insure at the enormous cost of a provisional licence versus a full one.

Any suggestions?

OneIdea

When and if you pass your test... any policy with any insurer would be reduced accordingly, just notify them by phone first, you will be told to fax or post in a copy of your new full license.

EDIT: I'm assuming your going to take out a policy with monthly installments?, as you progress to your full license... your monthly installments will be reduced.

another question

OneIdea wrote: »

When and if you pass your test... any policy with any insurer would be reduced accordingly, just notify them by phone first, you will be told to fax or post in a copy of your new full license.

EDIT: I'm assuming your going to take out a policy with monthly installments?, as you progress to your full license... your monthly installments will be reduced.

Thanks for the reply. Yes, it will be in monthly installments. Do you if there are any reasons why insurance companies wouldn't insure me, everytime I go online I cannot seem to get a quote. They are all saying 'we are sorry we cannot provide you with a quote at this time'.

Is this just a catch to get you to call them or will I be ok with any company?123.ie have told me that they do not insure female drivers under 25.

Alanstrainor

another question wrote: »

Thanks for the reply. Yes, it will be in monthly installments. Do you if there are any reasons why insurance companies wouldn't insure me, everytime I go online I cannot seem to get a quote. They are all saying 'we are sorry we cannot provide you with a quote at this time'.

Is this just a catch to get you to call them or will I be ok with any company?123.ie have told me that they do not insure female drivers under 25.

Ring around, online systems are notoriously poor for people in high risk categories ie young, learner permit holder etc.

You really need to shop around a lot, as in ring every insurance broker you can find. It will take you a number of hours, but will save you hundreds.

As has been said, once you let them know you've passed the premium will reduce. However, I would have serious doubts over it dropping by anywhere near 1000. There was a thread here maybe last year asking people how much their insurance dropped by after passing, and although its a very hard thing to judge, the general consensus was that max people got was a couple of hundred. Generally it was a lot less.

Thoie

Are you totally set against learning in a manual? If you pass your test in a manual you have the option to drive either an automatic or a manual afterwards. If you sit your test in an automatic, you'll only be licensed to drive an automatic. If there's no physical impediments, learning and testing in the manual will give you more options down the road.