Hi 51titles.

I suppose insurers can choose to accept whoever they wish based upon the criteria that they wish to apply.

However we've never heard here of anyone being unable to pay for a years cover in one go.

To be honest I think almost everyone has been able to get monthly-pay car insurance as well (though there may be a couple of insurers that aren't keen) even during trust deeds.

The thing is that it's not really credit (in the same way as a bank loan at least) as, if you fail to pay the instalments, they'll soon enough just cancel the cover. The credit risk to the insurer is therefore very limited.

Thanks very much for the info