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Can car insurance be put on hold for long travel?

I won a round-the-world cruise in a raffle and won’t be home for three months. Can I put my car insurance on hold for long travel?

avatar
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations—what a wonderful prize! While it’s tempting to suspend your car insurance for a few months, you may not be able to, and/or you may decide to maintain your coverage once you understand all the risks. Take a look at the pro and cons of putting insurance on hold.
Pros:
  • If you suspend all or part of your policy, you’ll save money. True. Why pay for something you’re not using? (Hint: See the cons below.)
Cons:
  • If you’re permitted to suspend the policy, your car wouldn’t be protected from perils like fire damage or theft.
  • You won’t be able to ask a friend or family member to start up the car and drive it while you’re gone as it won’t be insured.
  • By state law and/or your insurer’s regulations, you may not be able to put your policy on hold. And if you have a car loan, the bank holding the lien won’t allow it.
  • This could be considered a
    lapse in coverage
    , increasing your rates when you return.
In your situation, saving a few dollars is likely not worth the risk you would take by leaving the car uninsured. You may even enjoy your trip a bit more, knowing your car is fully protected while you’re away.
Bon, voyage!
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