How to sort insurance dates

[insureofmyself]

My car insurance and my home insurance both renew on the 12th of this month, meaning I owe out over £700 from my Christmas wage.

I do have the money there this year, but I don't want to be in this situation every year in case my circumstances change.

I know this is likely a really stupid question, but how do I change the dates so that they are staggered? I'm assuming that will incur pro/rata and admin changes of some kind, which may then mean it's not worth my while anyway?

Thanks.

Speak to the insurers and see what they can offer. You may need to pay more over a short period but it cannot be insoluble.

My DP's car insurance shifted from June to January when we had a multicar policy.

Following as in exact same situation. We have our cars and house all on one policy which renews mid December. It’s a nightmare.

I asked when renewing if we can change the date and was told no.

I will call them, but I don't particularly wish to renew with my car insurance company as I can get it cheaper elsewhere.

I'm tempted to take my car off the road for a fortnight and set up a new policy from January pay date, if need be.

If all else fails, renew with your existing car insurer and opt to pay monthly. After a period of time (2 - 3 months to suit you). Cancel the policy and start elsewhere and pay in full for a year. That way you will have created a staggered payment schedule and changed insurers.

Might be easier to just save some money from your November wage to cover one of them. Any attempt to stagger the renewal dates is likely to incur a cost.

Why not just put money aside every month between now and next December. Jyst set up a standinf order for tge anount each month.Keep it in a separate account and transfer it over when due.

Put one on a credit card and repay it when you get paid. You should check the statement dates but it will be no interest if you pay on time in full.

Just pay monthly. Not all insurers add an interest charge.

This is by far the best solution for next year, and going forward.

That's the most sensible solution, no faffing around needed and if you look for a monthly saver you'll get a little bit of interest too, you should be able to find one around 5%

Eg: Principality BS - 7% christmas saver, max £125pm.
https://www.principality.co.uk/home/savings/savings-accounts/christmas-2025-regular-saver-bond
Do this for the next year and you'd have just over £1,500 to cover these costs next December.

Current rates, you might get better with existing bank - eg First Direct.

This is absolutely the best option.
I have Monzo and use pots and savings accounts for these kinds of things.

Careful with that as monthly payments are installments. If you cancel early you may be charged a short term rate at a much higher daily cost and owe more than you paid.

As suggested start next month with putting away an amount that will total the bill next December, in fact this is ideal for all bills but it takes a while to get ahead say if a bill is due in July and you are only starting in January but in your case it should work perfectly for those two bills.

All my annual bills are totalled up and I divide by 11 and lodge that amount to a separate account every month, I can then take December off to allow for Christmas spending.