Ryan Barham
Last updated: 11/08/2026
A car breaking down is frustrating at any time, but it’s especially painful when you have to get somewhere. Whether you have an important appointment, emergency or family gathering, sometimes you just need to hit the road.
With temporary car insurance, a car breakdown no longer means you’re stuck. While your car is off the road, you can borrow someone else’s and take out cover from 1 hour to 28 days for one price.
This flexibility is important as courtesy cars aren’t guaranteed and garages can take days to fix your car, not hours. Whether you’re borrowing a friend’s, neighbour’s or relative’s car, you’ll be able to get around and live your life while your car is repaired.
Comprehensive and standalone, it won’t have an impact on an existing policy or no claims discount. It works the other way, too. If your car needs dropping off or collecting from the garage while you're without transport, you can insure someone else to drive it, without adding them to your annual policy.
Setup takes minutes, and you can be on the road as soon as your policy starts.
Pull over somewhere safe and call for recovery. Our guide on what to do when your car breaks down covers the basics, from hazard lights to contacting your breakdown provider.
Yes. Temporary car insurance lets you drive someone else's car, like a friend's or family member's, for a set period without going on their annual policy. Cover runs from an hour to 28 days, so it fits a quick fix or a longer repair.
No. Temporary car insurance runs alongside your annual policy rather than replacing it, so it has no impact on your no claims discount either way.
You can usually get set up in minutes. There's no lengthy paperwork, just a few simple questions, and you can be covered to drive straight away.
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