How Long Does Car Insurance Last? 
The automobile insurance policy has a start date and expiry date . Claims arising from the operation of the vehicle between those two dates and times are covered . Occasionally a company will reinstate a policy that has passed beyond the expiry date . To do so they will almost always require a statement that there werent any potential claims during the period from the expiry date and the date of reinstatement . In those cases the policy will often be back dated to provide continuous protection . This is important when there is a loss payee , such as a bank , that has the authority to order coverage for the vehicle . 