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- Monthly Car Insurance
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Monthly Car Insurance
Get up to 28 days monthly car insurance quotes in just under 2 minutes
- Monthly temporary insurance quotes in under 2 minutes
- Get flexible cover for the time you want as and when you need it
- No impact on No Claims Discount plus fully comprehensive cover as standard
Can I get car insurance for a month?
Yes, you can get temporary car insurance for 28 days. This monthly car insurance gives you the cover you need if your car is out of action for a while and can also be a great way to cut costs if you only drive for short periods.
Finding cheap monthly car insurance can be difficult but with our monthly cover, you’ll only pay for the time you actually need.
Insure a car for a month quickly and easily with Tempcover’s maximum-length policy by following these simple steps:
- Enter some details about yourself and your vehicle.
- Make sure you’re happy with the price and policy details.
- Pay for your policy and then receive the documents in your emails.
Having the following information to hand can speed up your process:
- Your car’s registration number
- Your details (name, address, date of birth, etc.)
- Your licence type and length you’ve held it
- Your car’s value
- Your email and phone number (to send the policy documents to)
- When you’d like the policy to start and end
Am I eligible for temporary car insurance?
Tempcover works with several short-term insurance providers to offer one-month car insurance. This means we can help provide cover to a wide of drivers. Despite our wide acceptance criteria, you will still have to meet some basic requirements to be able to get a quote.
To get monthly car insurance cover, you must:
- Be aged 17-78 years old.
- Hold a full UK or EU driving licence with no more than 7 points in the last 3 years.
- Have been a permanent UK resident for the last 12 months or be a British expatriate.
- Have no criminal convictions.
- Not had a previous policy of insurance declared void by an insurer.
To get monthly car insurance cover, your car must:
- Be valued between £1,500 and £65,000.
- Be taxed and in a roadworthy condition with a valid MOT.
- Not be modified in any way except if designed to aid disabled drivers.
- Be a right-hand drive car with no more than 8 seats.
- Not be declared SORN.
Each insurer on our panel has its own eligibility criteria. Please pay close attention to the Proposer’s Declaration.
How does monthly car insurance work?
Monthly car insurance can be a cheaper option when looking for cover on a more flexible basis. For a lot of drivers, the long-term commitment of 12-month insurance is too much and doesn’t fit a number of situations we may find ourselves in.
When might I need monthly insurance?
How much does car insurance for one month cost?
Even though monthly car insurance can be a cheaper alternative in many situations, the cost is dictated by the details of the policy. This means that the overall price will depend on several factors that are provided when getting a quote. This includes:
- The car’s make and model – the more expensive your car is to repair or replace, the most costly it will be to insure.
- The car’s age – Driving old cars can mean you miss out on important safety features and parts can be difficult and more expensive to find.
- Vehicle modifications– Making modifications and adding car cosmetics can cause prices to rise as insurers are less likely to pay for parts and features that aren’t manufacturer-standard.
- Your driving experience – As you’d expect, new drivers with less experience are more likely to have an accident, therefore insurers will increase prices for new and young drivers.
- Driving licence type – If you’re learning to drive, you could find monthly learner insurance to help you practice, but you will have to pay more if you only have a provisional licence.
- Where you live – The crime rates and traffic accident statistics of where you live and drive will increase or reduce the price of your policy. Safer areas will be cheaper than those with high crime and accident rates.
How do I get a cheaper deal on my monthly car insurance?
There are ways to reduce the cost of your policy and get a cheaper deal on your monthly car insurance. As with all insurance products, it’s important to be as honest and transparent as possible to ensure you’re providing the correct information. However, there are choices you can make to get the best deal possible. These include:
- Choosing to insure a smaller, less powerful car in a lower insurance group
- Selecting the right insurance for the duration you need
- Opting for the highest level of cover (which you get as standard with Tempcover)
- Only choosing the additional products you actually need
- Tailoring the policy to suit your needs
You can see how much your one-month car insurance in the UK could cost using the price estimates below.
Need a shorter policy?
If you don’t need cover for a month, Tempcover offers temporary car insurance for times that suit you – starting from one hour.
What does temporary insurance cover?
With comprehensive cover as standard on temporary car insurance (excluding impounded), you’re covered for any damage to yourself, your car and/or any third parties involved in an accident.
What’s covered with one-month car insurance?
- Fully comprehensive insurance on policies from 1 hour to 28 days
- Accidental and malicious damage to your car
- Cover for injury or damage to another person or their property
- Driving in the UK
- In some instances driving in the EU with the third-party or equivariant level
What’s optional with short-term car insurance?
- Legal Expenses Cover providing up to £100,000 cover for legal costs including uninsured loss recovery for accidents that are not your fault
- Excess Reduction Cover, reducing your policy excess to as close as £100 as possible
What’s not covered with one-month car insurance?
- The excess you agreed to pay
- Release from an impound (unless you buy a specific temporary impounded vehicle policy)
- Additional drivers – we can only cover the driver named on the policy
- A sole claim or separate cover for broken/damaged glass including the windscreen
Marc Pell
Managing Director
What our expert says
Whether you’re borrowing a car, moving house, visiting friends and family, or learning to drive, temporary vehicle insurance can help you find the cover you need for your situation. It's quick, easy, and gives you peace of mind on the road.
Marc Pell
Managing Director
Monthly car insurance FAQs
Finding the right one-month car insurance is quick with us, but you can further speed up the process by having the following details to hand:
- Your car’s registration number
- Your details (name, address, date of birth, etc.)
- Your licence type and length you’ve held it
- Your car’s value
- Your email and phone number (to send the policy documents to)
- When you’d like the policy to start and end
There are three car insurance options that will let you drive someone else’s car. This includes the following:
- Becoming a named driver on the insurance policy of the person whose car you’re borrowing.
- Finding insurance that offers a Driving Other Cars (DOC) extension and specify that this is for situations other than emergency use only.
- Buying flexible temporary cover through us whenever you need to drive someone else’s car.
Driving without the correct insurance can result in hefty penalties including six points on your licence and a fixed fine of £300.
You can arrange a new monthly policy to start the moment your current policy expires. This can be done at www.tempcover.com and you’ll receive a quote in under two minutes.
Tempcover’s temporary car insurance provides third-party cover only when driving in the EU and several other European countries. Tempcover does not currently offer fully comprehensive EU cover. However, this will be full comprehensive cover when driving in the UK.
The majority of hire cars and rented vehicles will have their own insurance included as standard. You can, of course, decline this and get a quote and arrange your own temporary car insurance but this will depend on the dealership’s terms.
Yes, you can take out Tempcover’s temporary learner driver insurance for times ranging from 12 hours to 28 days. This short-term cover lets them practice in a friend or family member’s vehicle (while being supervised by a driver aged over 25 who’s held a driving licence for over three years) without affecting any no claims discount.
