Quick & Easy Temporary Insurance

Temporary car insurance is fully comprehensive as standard with Tempcover. Your short-term car insurance covers:

• Accidental and malicious damage to your car
• Legal liabilities for injury or damage to another person or their property
• Driving in the UK, and in some instances driving in the EU

We also offer optional coverage at extra cost. Tempcover works with a panel of insurers to ensure every customer gets the level of cover they need. This means the extent of your temporary car insurance may vary depending on the insurer. Make sure you always double-check the policy wording before you make a purchase.

Short–term car insurance gives you fully comprehensive cover for a set period. It is available hourly, daily, weekly or monthly. You just need to provide us with a few details about yourself and your car before choosing when you want your cover to begin.

Of course! With Tempcover, you can find affordable and comprehensive short–term van insurance options. Our policies start from just 1 hour and go up to 28 days, so you’ll only have to pay for the duration you need it.

For more information on the cover available, visit our temporary van insurance page.

Our temporary car, van, and motorbike insurance policies cover you to drive in all EU member states. The following countries are also covered:

• Gibraltar
• Iceland
• Liechtenstein
• Monaco
• Norway
• San Marino
• Switzerland
• Andorra

Be sure to know which countries you’ll be driving in before you purchase your short-term vehicle insurance so you can check what level of cover is needed.

Tempcover short–term insurance policies cover commuting to and from one place of work, as well as social and domestic use.

You may need more in-depth cover if you’re using your car for Class 1 business use or travelling to multiple places of work. In these cases, you should check the Insurer’s Declaration after you’ve received a quote to see if the level of cover is suitable for you. It’s important to check this before you pay for a policy with us.

The policy excess is the amount you agree to pay towards a claim in the event of an incident. This amount will need to be paid to get your vehicle repaired or replaced.

With temporary insurance, you’ll only have to pay compulsory access – the amount you need to pay towards the cost of your claim. This is a pre-agreed amount but will differ depending on the duration of your policy and the level of protection provided.

As long as you meet our eligibility criteria, you’re likely to receive temporary vehicle insurance from Tempcover. There are, however, some things we do not cover:

• No vehicle modifications allowed (those designed to aid disabled drivers are exempt)
• Left-hand-drive cars
• Cars with more than 8 seats
• Hire and loan vehicles
• Hire and reward vehicles (excluding our courier scheme)
• Use for carrying hazardous goods or at hazardous locations
• SORN vehicles
• International driving licences

You can find more details on what we don’t cover by checking our eligibility page.

We are unable to make any changes or additions to your cover once you’ve purchased a policy, but you can cancel it at any time by contacting us.

However, due to the short-term nature of temporary car insurance, you will not receive a full refund.

We provide fast and flexible short-term car insurance policies starting from 1 hour to 28 days, so insuring a car for 24 hours is straightforward.

Our daily car insurance gives you the same level of cover you’d expect from longer insurance without having to sign up for long-term contracts or commitments. You’ll receive hassle-free cover on the day you need it.

We provide short–term car insurance policies starting from just 1 hour! Our hourly temp insurance is designed to provide drivers with maximum flexibility and between 1-12 hours of cover.

Whatever your situation, you can have the peace of mind that our policies allow you to legally use a car straight away and keep you covered in the case of an incident. You can find out more about the details of the cover available by visiting our hourly car insurance page.

Yes, you can tax a car covered by temporary vehicle insurance in one of two ways. You can do this online on the DVLA website or visit your local post office with your insurance documentation.

Our policy states that you need to be aged 17-78 and hold a full UK or EU driving licence to be eligible for temporary car insurance with Tempcover.

Our temporary vehicle insurance is designed to be flexible and straightforward, so you could be on the road within a few minutes of purchasing your insurance policy with Tempcover.

It’s important to note that your insurance status may not be updated on the Motor Insurance Database straight away. We highly recommend that you print or screenshot your Insurance Certificate and carry it with you as proof of your insurance and legal entitlement to drive the vehicle.

Yes, that’s not a problem. You can take out temporary car insurance alongside your annual policy and it won’t affect your No Claims Discount if you need to make a claim.

If you’ve been involved in an accident, there are some immediate steps you need to take:

• Stop at the scene. It is an offence to drive away from an accident once it’s taken place
• Use your hazard lights to warn other road users and help prevent any further accidents
• Check that everyone in your vehicle is safe and call an ambulance if there are any injuries
• Record the damage by taking photos of any vehicles involved in the accident, including registration numbers, and any road signage
• Don’t admit responsibility at the scene of the accident or when talking with the other party
• Take witness details as they can help you win your claim if the other party contests your version of events
• Call our dedicated claims team on 0333 241 3392 as soon as you can to start the claims process

Even when you take the right precautions, the worst can still happen. If it does, Tempcover is here to support you every step of the way. To make a claim with us, call our dedicated team on 0333 241 3392 and they’ll collect the details of your claim.

If applicable, they can help you arrange repairs and a replacement car or even help you reclaim uninsured losses.

Short-term vehicle insurance is separate to an annual policy, so it won’t affect your NCD if you need to make a claim in the event of an incident.

You’re not able to build up your NCD on a short–term car insurance policy. This is because temp insurance does not renew after the maximum duration of 28 days, so each policy counts as new.

Every vehicle you want to insure must have a valid MOT. You can, however, purchase short–term insurance to drive your vehicle to MOT appointments.

When you purchase short–term car insurance with Tempcover, we’ll send you your policy documents once payment is confirmed. You can find the details of your temp insurance, including its expiry date, here.

You can find your policy documents on the “You’re Covered!” confirmation page or via a secure link in your confirmation email, which is sent directly after your purchase.