When is my car insurance due?

4 Minutes

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It’s not just a bad idea if you drive without car insurance, you’re breaking the law and if you’re the vehicle’s owner it’s up to you to make sure you’re covered.

Insurance policies usually last for 12 months. After that you’ll need to either renew your policy with your current insurer or take out a new policy with someone else.

But who can remember when their car insurance is up for renewal? If you know you have a policy, but aren’t sure when it runs out, here’s how to find out when your car insurance is due.

How to find out when your car insurance is due

There are a few ways to check when your car insurance is due for renewal or, perish the thought, if it has already expired.

Check your policy details
If you know who you took out your policy with, head to their website and log in to your account. This is the best way to find out when your car insurance is due for renewal. Have a look at your policy details to see when it runs out.

Look for emails or paperwork
If you’re not sure who provides your insurance, have a look through your emails or any paperwork at home to try and jog your memory. Once you know who your policy’s with, head online or get in touch with them and find out when it’s due for renewal. 

See if you’re making payments
If you pay monthly for your car insurance, take a look at your bank statement and check if the payments are still leaving your account. If they’re not, then maybe your policy has already ended.

Use the Motor Insurance Database
The Motor Insurance Database (MID) will tell you if your car’s insured. This is a free check – you just need to enter your registration and confirm you’re the owner. This will only show you if your vehicle’s currently insured though – it won’t tell you when your insurance is due for renewal or who your insurance provider is.


Why is it important to know when my car insurance is due?

Knowing when your car insurance is due for renewal is important for a number of reasons. You obviously wouldn’t want to be breaking the law and you wouldn’t be happy to find you’re paying out more than you need to, either.

Whilst auto-renewal can give you peace of mind, it could also mean you’re not getting the right cover. Let’s say your job role has changed since you took out the policy, meaning you travel less. That could mean you pay less for your insurance. When it comes to insurance, it’s important you get the right level of cover to suit your needs so accuracy is key. Please do check your details are correct and up to date. You need to let your insurer know about any change in occupation, and any new motoring convictions etc. 

Insurers should let you know around three to four weeks before they automatically renew your car insurance to let you know how much your new policy will cost. At this point, you have a choice: continue with your existing cover or cancel and look for a new policy. You may consider changing providers.

What do I do if my car insurance policy has expired?

If you find that your car insurance has expired and you’re no longer insured there are a few steps you should take:

  • Most importantly, don’t drive your car until you’ve taken out a new policy. If you do, you’ll be breaking the law
  • Find a new policy that best suits your needs – whether it’s renewing with your existing insurer or finding a new one
  • Make a note of when your car insurance renewal is due

What happens if I drive without insurance?

Driving without having valid insurance in place could mean you get a fine and penalty points on your driving licence, plus your vehicle could be taken away from you. More than 2 million uninsured vehicles have been seized in the UK since 2005, according to the Motor Insurers’ Bureau .

If you get behind the wheel of a car you’re not insured to drive, official guidance from GOV.UK  states you could receive:

  • A fixed penalty of £300
  • Six penalty points

Knowing when your car insurance is due is your responsibility as a motorist, as it’s illegal to drive on roads or in public without at least third-party cover.

Finding the best car insurance policy for you

The best car insurance policy for you will always depend on your specific circumstances – there’s no such thing as one policy that’s the perfect fit for everyone.

There are lots of options when it comes to car insurance. If you’re looking for flexible cover that can adapt to your needs, check out car insurance from Flow. You can customise your policy just the way you want it and adjust it as you go.

Get behind the wheel with the future of car insurance from Flow – If it's flexible, year-round cover you need, take control with Flow Annual car insurance - customise your policy at the touch of a button, 24/7. Flow Annual doesn’t have admin fees either, but there is a cancellation fee, and interest fees if you choose to pay monthly.


When will I get my renewal quote?

Your current insurer will usually send you a renewal quote around three to four weeks before your insurance runs out. Remember, you don’t have to accept this quote. At this point you can decide if you want to stay with your current insurer or look for quotes from other providers.

If I’ve chosen to pay monthly, when is my first car insurance payment due?

When you take out a car insurance policy, you often need to pay an initial deposit before your cover is activated. In terms of when your first car insurance payment is due, this will depend on the specific agreement you have with your insurer – so if you’re not sure it’s best to contact them and check.


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