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Temporary car insurance

Product guides

Temporary car insurance

Your guide to temporary insurance cover

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Temporary car insurance is the ideal insurance choice for drivers looking for more flexible, cost-effective options when borrowing a car, or driving a new or different vehicle temporarily.

When you need just a few hours, days, or weeks insurance, get the cover you need for the time you want with short term car insurance.

In these unpredictable times, choose temporary car cover to get an insurance policy that’s flexible to suit your situation with no long-term contracts or commitments.

What is temporary car insurance?

Temporary car insurance is time-limited cover that’s ideal for when you need to borrow a car, pick up a new vehicle or just share a long drive. Whenever you need to use a car that you’re not already insured to drive, temporary cover is the flexible and affordable option.

How does short term car insurance work?

Just like your usual yearly insurance policy, temporary car insurance cover gives you fully comprehensive cover, but you only pay for the time you want cover for – from just one hour, up to 28 days.

Getting a temporary car insurance quote is quick and easy. To get a quote you will need to tell us:

  • The car’s reg number
  • Your details (name, address, D.O.B etc)
  • Your licence type and how long you’ve held it
  • The value of the vehicle
  • Your email/phone number (to send policy documents)
  • When you’d like the policy to start and end

You may also need to provide your driving licence number.

Your policy will last from the minute you want and will end at the time you select. Once the policy has ended, it won’t automatically renew.

You will receive a reminder when the policy is due to expire so you can quickly and easily purchase more temporary car cover if you need it.

What does temporary car insurance cover?

With comprehensive cover as standard on temporary car insurance from Tempcover, you’re covered for any damage to yourself, your car and/or any third parties involved in an accident.

What’s covered with short term car insurance

What’s not covered with short term car insurance

Fully comprehensive insurance on policies from 1 hour to 28 daysThe excess you agreed to pay
Accidental and malicious damage to your carRelease from an impound (unless you buy a specific temporary impounded vehicle policy)
Accidental and malicious damage to your carAdditional drivers – we can only cover the driver named on the policy
Legal liabilities for injury or damage to another person or their property
Driving in the UK, and in some instances driving in the EU

Tempcover works with a panel of insurers to ensure we can provide temporary car insurance for as many drivers as possible. Because of this, full details of cover may differ depending on the insurer. Please double-check the policy wording before purchasing to confirm what is specifically covered in your policy.

Why might I need temporary car insurance?

There are hundreds of reasons why temporary car insurance could be the right insurance for you.

  • It’s flexible. At the moment, many of us are driving less and need something more flexible to suit the current uncertain circumstances. With temporary car cover, you get the right policy for your circumstances; choose the duration you want and when you want it to start and you’re good to go
  • It’s cost-effective. With no long-term contracts, you only pay for the cover you need. When all you need is a few days or weeks insurance, don’t worry about the hassle or expense of annual cover, get what you need at a cheaper price with short term car insurance.
  • It’s fast. Getting a temporary car insurance quote is super quick because we only ask you for the information we need, nothing more. You can get a quote from one of our panel of insurers in just 90 seconds online or even quicker in the Tempcover app.
  • It won’t impact your No Claims Discount. With temporary car cover, you get complete peace of mind that you’re covered plus if you have an accident in another person’s vehicle, it will have no impact on their No Claims Discount. Because it’s a separate, standalone policy it won’t affect the annual insurance on the vehicle you’re borrowing.

A big No Claims Discount can take years to build. With temporary car insurance cover, you save in the long and short term.

Not sure when you’ll be driving next? Rather than declaring your vehicle as SORN and taking it off the road completely, insure your car as and when you need it with temporary car insurance. As long as the vehicle is taxed and on private property, short term car insurance is a great alternative to declaring a vehicle SORN.

When might I need temporary car insurance?

Here are just some of the everyday situations where temporary car insurance would be useful:

  • Borrowing a car
  • Sharing a long drive
  • Driving on holiday (the UK and abroad)
  • Test driving a new car
  • Driving away a new car after buying
  • Car sharing for work or pleasure
  • In an emergency
  • For your business
  • Temporary cover for young drivers

Am I eligible for temporary car insurance?

Because Tempcover works with a panel of insurance providers, we are able to offer temporary insurance to a wide range of drivers. There are however some requirements you must meet in order to be eligible for temporary car insurance.

To get temporary car insurance cover, you must

To get temporary car insurance cover, your car must

Be aged 17-78 years oldBe valued between £1,500 and £65,000
Hold a UK driving licence, an EU or International driving licenceBe in a roadworthy condition with a current and valid MOT (unless you are using the insurance policy to take the vehicle to a pre-booked MOT)
Have been a permanent UK resident for the last 12 months or a British expatriateThe vehicle must be taxed (unless you are using the insurance policy to obtain tax for the vehicle immediately after purchase)
Have no more than 7 licence points in the last 3 yearsNot be modified in any way except for those designed to aid disabled drivers
Have not been disqualified from driving for the last 2 yearsBe a right-hand drive car
Have no more than 2 fault claims in the last 3 yearsHave no more than 8 seats
Have no criminal convictionsNot be declared SORN
Not have had a previous policy of insurance declared void by an insurer

Temporary car insurance FAQs

How much does temporary insurance cost?

You’ll be able to find quotes for temporary car cover that range from hours up to 28 days of cover. While prices will vary depending on the driver, their driving histories and the vehicle, you can expect cover to start from as little as £8.99 for 1 hour.

Do I need insurance to borrow a friend’s car?

Yes, you will always need to be insured when you borrow a friend’s car. You will need either a temporary car insurance policy, an annual policy on the borrowed vehicle, or added to the owner’s annual policy.

If you have your own annual policy you may be covered to drive other cars, but this is unlikely.

Can I add an additional driver to this policy?

Unfortunately, we are currently only able to provide cover for one driver per vehicle. We may offer this feature in the future, but in the meantime, if you require cover for two drivers – you will need two separate policies.

Do I instantly appear in the Motor Insurance Database?

Once you’ve purchased your temporary car insurance policy, the details of your cover will be passed to the Motor Insurance Database (MID). This process can take up to 7 days, so in some instances, your policy may have finished before the details have been added to the MID.

To ensure you have valid proof of your short term car insurance, we recommend you print or keep a copy of your Insurance Certificate on your phone as this is all the proof of insurance you need, and gives you legal entitlement to drive the car.

Can I take out insurance for my MOT?

The vehicle you wish to insure must have a valid MOT, however, you can take out temporary car cover to drive the vehicle to a pre-booked MOT appointment.

The cover you need for the duration you want

Full cover,
no impact

Get fully comprehensive cover on our standard short term policies - plus it won't affect your no claims discount

Hourly, daily, weekly

Choose the duration you want with 1-12 hour and 1-28 day cover available - don't pay for cover you don't need

All customised, nothing added

Customise your policy to suit your specific situation - get the policy you want and even choose the minute you want your policy to begin

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