There you are, happily retired and eating breakfast. You have just eaten your kipper, and are starting on the toast and marmalade when post drops through the letterbox; but you ignore it you have all day to look at it. You finish eating, clear away the pots, spread the mail on the table, then the obvious junk mail unopened (that gets rid of three quarters of it) and then open the rather official looking letter from your insurance company; and at this point you're good mood totally evaporates. It is the car insurance renewal premium, and the cost of it almost makes you choke!

Convinced that it must be some sort of mistake you try to phone your insurance company but you get the usual recorded message telling you that your college important to them and please hold on. 20 min later you slam down the receiver, go online to try and find a cheaper quote and, much your shock and horror, every price you get is very similar to the one you being given. What is going wrong?

Well, to start with all the costs that insurance companies have to content with have shot up. Cars are getting more and more expensive to repair, fraud is getting more prevalent and accident victims are costing absolute fortunes to bring back to health; those that can be brought back of course, an increasing number who once upon a time would have died of their injuries are now being kept alive by modern medicine, but at an enormous cost to the insurance companies. Finally of course we have the compensation culture in which anyone who thinks they can get away with suing someone for an injury, real or imagined, is encouraged to do so by parasite claims companies, and the cost almost inevitably finishes up being paid by an insurance company.

While all this of course is not your problem, whereas this ludicrous car insurance renewal figure certainly is. What are you going to do about it? You only drive your car once in a blue moon, so do you really need insurance at all?

Well the easy answer to that is yes, if you intend to keep your driving licence! It would of course be unthinkable for someone of your age to emulate the young kids and drive without insurance, but do you really need to have it for a full 12 months?

It is now time that you looked into the joys of temporary car insurance from newzoid.com. A temporary policy can last between day and a month, which is long enough your annual holiday or the odd trip down to see the grandchildren. The cost is low, and setting up a policy only takes a few minutes on the Internet, and you can order it seven days a week, 52 weeks a year.

Would it solve your problems? Quite possibly, if you only drive on rare occasions. If you drive regularly, you will be better off swallowing your pride, forgetting about that short cruise that you promised yourself, and cough up for a 12 month renewal. If it is any consolation, you are not the only one in this situation.