Yes, they charge you extra as they know you are desparate to drive it. I usually check 3-4 weeks in advance. However it's not easy sometimes if you just bought it. I was lucky that I managed to switch my old insurance from 1.6 Mini Cooper to Zed with no extra charge. Then get quotes for renewal 1 month in advance for cheapest price. When I bought the Mini, I have to start with new insurance, but managed to secure a drive away 7-days free insurance (being quoted £2,500 if I wish to continue for next 12 months), drove it home, parked on my drive and started the insurance 2 weeks later. A bit risky if it was stolen ......