Temporary car insurance offers cover for a set duration, from a single hour up to 28 days, which makes it perfect for a range of everyday situations.
It’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.
It offers the same level of cover as annual insurance but for a duration that works for you. You can select how long you want your policy to last from an hour up to 28 days.
It works in the same way your usual insurance does except there are no long term contracts. Once the policy duration you choose is over, it won’t automatically renew, the policy simply expires and that’s it.
You will receive a reminder when the policy is due to expire so you can quickly and easily purchase another short term policy if you need longer cover.
So, if you just want a one hour policy, select 1 hour duration while getting a quote and your cover will start the minute you want it to. We’ll insure you for 60 minutes and you don’t have to worry about a thing.
One of the most attractive features of a temporary policy is being able to get cover for the duration you actually need.
Without short term insurance, if you wanted cover for just one day you’d either have to be added to the vehicle owner’s policy or you’d have to buy a whole years’ worth of cover.
Both these options can be extremely expensive and can take a lot of time and effort to sort out. Besides the cost and time, there can huge consequences for everyone involved if you were to have an accident while driving someone else’s car.
With a one day policy, you can relax because not only is it the most affordable option, but because you’re not tied to anything there’s no impact on the vehicle owner.
Not only can a flexible daily policy save you money but it’s incredibly quick to buy. Most people can get cover in less than 5 minutes online, ideal if you need cover at short notice or in an emergency.
To keep costs down and get covered in minutes, short term car insurance is the best option.
There are many reasons why temporary car insurance is the perfect option if you want to borrow a car from a friend, colleague or family member.
Remember you must be properly insured to use another vehicle and you may be not covered automatically.
Unfortunately, many drivers believe that they are already insured to use another car if they have comprehensive annual insurance because most policies used to include a ‘driving other cars’ section.
While this is true for some drivers, most annual insurers no longer offer this clause and it’s likely you’re not actually properly insured and could face between 6 and 8 penalty points, driving bans and an unlimited fine.
A quick and easy temporary policy will ensure that you are legally covered to use another car for the duration you need.
Driving a friend’s vehicle can be daunting and the risk of having an accident or damaging their car can often put people off doing so.
With temporary insurance, you get complete peace of mind because if you have an accident in their vehicle, it will have no impact on their No Claims Discount.
This is because it’s a separate policy which sits alongside their existing annual insurance (which the vehicle owner must have).
This is a huge relief for anyone using somewhere else’s car because a large No Claims Discount is something that takes a long time to build and can save the owner a lot of money on their annual cover.
A No Claims Discount of 5 or more years can reduce the cost of annual insurance by up to 65%*, a huge expense for any driver and even more of a blow if they were to lose it without even driving.
Were you to have an accident without temporary insurance, the vehicle owner would have to make a claim on their annual insurance, no matter who was driving.
This means you’d not only have the cost of any repairs but there would also be the inevitable price increase that comes with having made a claim.
Short term cover keeps the cost of insurance down while giving you and the owner of the car the reassurance that should the worst happen, it won’t impact their annual insurance.
Over 2 million† cars were registered in 2016, and if you’re looking to buy a new car, the last thing you want to worry about is making sure it’s properly insured to drive home.
Unfortunately, it’s an important part of buying a car so when looking for drive away insurance, you’ll want cover that’s fast, flexible and most importantly, cost-effective and with Tempcover you get all three.
Fast – You can get quotes from a range of insurance providers in just a few minutes and once you’ve tailored the policy to suit your needs, you can get covered instantly or at a time that suits you.
This means you can arrange to pick up your new set of wheels and drive it straight home knowing that you’re completely covered.
Flexible – Temporary policies can be designed to suit your own personal situation. If you only want cover to pick up the vehicle, you can get hourly policies but if you want more time to find annual insurance, temporary cover can be used as a stopgap while this is arranged.
Cost effective – If you want to drive your car away the day you buy it, temporary car insurance is often the cheapest option.
If you compare an expensive annual policy or even buying yearly cover before you’ve taken the time to compare prices with short term insurance, you’ll find it’s the cheapest option when trying to get your car home quickly.
Like all insurance policies, the price you pay for your insurance depends on a number of factors but as a one-off payment, temporary car insurance could save you hundreds of pounds when picking up your new car.
It’s widely known that young, inexperienced drivers pay more for their cover than any other age groups with 17-22 year-olds paying on average over £1,400‡ for their annual insurance, but when it comes to temporary insurance, things get even worse.
It’s not just that policies are too expensive, many insurance providers won’t even offer cover to drivers under the age of 21.
This means that anyone younger than 21 looking for short term insurance will find it hard to get a quote, as many see them as too much of a risk.
Here at Tempcover, we think differently. We aim to offer cover to as many drivers as possible and that includes young drivers.
Not only can young drivers get access to temporary cover but with No Claims Discount protection and comprehensive cover on all our policies, we remove the worry of letting an inexperienced driver get behind the wheel.
With the vehicle owner’s mind put at ease, young drivers are able to get temporary cover when they need it.
We all know that comparing prices is the best way to save money and ensure you get the product or service you want at the lowest possible price.
There are countless comparison sites for annual cover but when it comes to short term insurance, Tempcover is the only site that actually compares prices from different insurers. This means you can get a range of quotes and pick the one that suits your needs.
We offer access to a range of quotes so that as many different drivers as possible can get a cheap temporary policy. We are confident we can provide cover to a wide range of driving histories, professions, locations, ages and for most vehicles.
We know that no two drivers are the same and so it’s unlikely that one insurance policy would fit everyone. That’s why we have tailor-made policies to fit almost all drivers and their situations
Obviously, you can choose the quote you want and the duration that best suits your needs but you can also select the start time, down to the minute.
Once you’ve selected the length of your policy, you can also add a range of affordable extras to your policy to give you that extra peace of mind. These include:
With tailor made temporary insurance policies, you’re able to make sure you get exactly what you need and only pay for what you want.
When purchasing a policy online at Tempcover.com, you’ll be given a customer account which makes getting a quote even easier next time around.
You can update your details, check out your most recent quotes, get a new quote even quicker and even request policy documents over email.
We put you in control of your policy and a new temporary policy is just a few clicks away.
Since its inception in 2006, Tempcover has been dedicated to providing the best possible service to hundreds of thousands of drivers.
We currently have a 5 star, 9.0/10 rating on the consumer review website TrustPilot and here’s what just some of the drivers who’ve used Tempcover before thought of our service:
5* – “Great service took less than 5 minutes, just needed 4 days temp ins before selling car, highly recommend” – Helen
5* – “I have had problems trying to get reasonable insurance rates but thanks to Tempcover I can be insured and on the road right away at a reasonable price.” – Jamie B
5* – “I have used this company before and it has always been one of the best for price and very easy to process. I definitely recommend them” – Jabulani M
From our quick quote process to handling any issues during the policy, we aim to make everything as simple and straightforward as possible.
Tempcover has a long history of helping consumers get on the road quickly, easily and affordably and the feedback from our customers speaks for itself.
It couldn’t be simpler to get a short term insurance policy and whether you prefer to buy online or on the phone, we’ve made the whole process quick and easy for you.
You can buy a policy online anytime you need it and with our speedy quote process, you can get a range of quotes to compare in just a couple of minutes.
We only ask for the minimum amount of information required by the insurance companies we work with. This means there are no difficult or intrusive questions to answer; we just need some basic info on you and the vehicle you want to drive.
Once you’ve chosen the quote you want, you’re just a few clicks away from being covered.
You can pay for your temporary policy in several ways. Using our secure payment system, you can use the following payment methods:
After you’ve bought your policy, your documents will be emailed to you instantly so there’s no waiting around.
You can, of course, purchase your short term insurance over the phone. One of our helpful customer service team will guide you through every step of the process.
Have any questions about your policy? You can call our customer care team at our UK based call centre – Monday to Saturday, 8am – 6pm.
Just give them a call on 0330 124 3833 – calls charged at your provider’s rate for 01 and 02 numbers.
We are confident that most drivers will be able to get a short term car insurance policy but there are a few restrictions. You can expect to be insured if you:
This is specifically for our temporary car insurance scheme; the acceptance criteria for other schemes may vary.
While a short term insurance policy is suitable for a large number of situations, there are unfortunately some occasions when we won’t be able to offer you cover.
We can’t offer you temporary car insurance in the following circumstances: