This site is optimized for Version 4 and newer browsers with JavaScript enabled. Choosing a policy length Autoplan coverage can be purchased for as little as 1 day, or as long as 1 year. TOPs are most often bought when your insurance has expired but you need to get your car in for repairs, for an AirCare test, or to a location where it is to be sold. Instead of decals to put on your licence plate, your broker will give you a certificate to mount in your vehicle window. Short-term Autoplan policies Regular Autoplan policies can be bought for periods ranging from 3 months to 1 year.
People sometimes buy short-term policies if they only use their vehicle during a specific season.
In the past, owners also used short-term policies if they couldn't afford to pay a full year's premium at one time. However, most vehicle owners can now pay their annual premium in monthly payments with Autoplan12. The premium surcharge will be a percentage based on what you would pay for a year-long policy with the same coverage. Surcharges are not refundable. It is always cheaper for you to buy coverage for a longer term than for two or more shorter ones.