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Cheap Temporary Car Insurance

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Cheap Temporary Car Insurance

Cheap temporary car insurance from Tempcover

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What is cheap temporary car insurance?

Finding cheap temporary car insurance with Tempcover is easy. We work with a panel of insurers to find you the right deal and show you the cheapest price possible.

Short term car insurance has always been a more cost-effective way to insure your vehicle. When you only need to use another car for a few hours, or one day, why pay for cover for a whole year? With cheap temporary insurance – you don’t have to. You get the cover you need and only pay for the time you want.

Don’t worry though, just because temporary car insurance is often cheaper than an annual policy, it doesn’t mean you get reduced levels of cover.

All temporary car insurance policies come with fully comprehensive cover as standard, so should the worst happen, everyone is covered. This includes any damage to your vehicle as well as any third parties involved.

Not only is cheap temporary car insurance a great way to save money, with Tempcover, but you’ll also save plenty of time. It’s incredibly quick to get covered, just tell us a little bit about yourself and the vehicle you want to drive and you’re good to go.

The whole process takes just 90 seconds, and your documents are emailed to you instantly, so you can be covered and on the road in just a few minutes.

Is temporary car insurance expensive?

Most drivers can find cheap temp car insurance with Tempcover because they’re only paying for the duration they need.

The cost of temporary car insurance can differ though, depending on the details you enter. As with any insurance, the price of your policy depends on several factors known as risk factors.

These factors are calculated by our panel of insurers to determine the risk of the details entered and therefore how much your policy should be.

Some of the factors that can impact the cost of your policy include:

  • Your vehicle
  • Your vehicle’s value
  • Your driving history
  • Your age
  • Your location

Starting with your vehicle, this impacts the cost of your insurance because your insurer will want to know how much it would cost to repair or replace your vehicle, should it be involved in an accident or be written off.

Insurers will also want to know where you live as this is where most of us spend our time driving. If you live in an area that has a high crime or accident rate, you will likely have to pay more to cover the increased chances of you being involved in an incident.

There are a few factors about yourself that insurers will use to calculate your premium. Your driving history can indicate how experienced you are and your age again will give an indication of potential risk based on their years of experience.

Unfortunately, it is all too true that young drivers must pay more for their insurance. This is because new, young drivers are often inexperienced and have more accidents.

To reduce the cost of insurance, young drivers can look to temporary car insurance for cheaper cover as drivers can get cover as and when they need it. Students can also benefit from short term cover with student car insurance.

Young drivers can also help cut the cost of insurance by opting for a cheaper, safer vehicle when looking for their first car.

It’s important to remember that while there are steps you can take to reduce the cost of cover, including opting for cheaper vehicles and by buying specific cover for the time you need, entering false information can lead to cancellation of cover and claims not being paid out.

If you’re looking for even cheaper temporary car insurance, be sure to opt-in to our email and SMS mailing lists when getting a quote. This is where we send news of our latest offers including discounts on temporary car insurance.

How to get cheap short term car insurance?

Getting cheap short term car insurance is incredibly quick and easy with Tempcover. Just follow these 3 simple steps:

 Enter a few details about yourself and the car

Confirm you’re happy with the price and details of your policy

Pay for your policy and get your documents emailed instantly

When would I need cheap temporary car insurance?

Temporary car insurance is the cheapest insurance option in many simple everyday situations. As an insurance alternative, it can not only help keep costs down but also ensure that No Claims Discounts are protected.

Here are just some of the occasions when choosing cheap temporary car insurance could save you money:

  • Test driving a new car
  • Driving away a new car after buying
  • Borrowing a car for a few days or weeks
  • Essential driving or reduced travel in lockdown
  • Sharing the drive on a long trip
  • While arranging annual insurance
  • Students home from university
  • Young drivers look to drive occasionally
  • Wanting a cheaper short term car insurance option

Who is eligible for cheap short term car insurance?

As we said, to help you find the best deal for your situation, we work with a panel of insurance providers. This means that we have a wide range of cover available. There are however some requirements you must meet to be eligible:

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 or EU 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

Please be aware that each insurer on our panel has its own eligibility criteria and so you should pay close attention to their Proposer’s Declaration.



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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