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What is temporary car insurance?

Temporary car insurance is the solution to many everyday insurance problems. There are hundreds of situations where a short term policy could save you time and money but, to ensure you get the best possible deal, you should always compare temporary car insurance before purchasing.

For many drivers, ordinary, annual insurance just isn’t flexible enough to suit their needs so rather than forking out to change their existing cover, they choose temporary car insurance.

Short term cover offers comprehensive cover for drivers for 1-12 hours and 1-28 days, with up to 3 months cover for learner drivers.

Many annual providers don’t offer the ‘driving other vehicles’ clause that was once very popular. This means that if you’re driving a vehicle and you’re not a named driver, you could be breaking law and could face an unlimited fine as well points on your licence and a driving ban.

Rather than face these penalties and put yourself, the vehicle owner and other drivers at risk, you can get a temporary policy for the duration you need it for without having to change any existing policies.

This means that if you have an accident while driving, the vehicle owner is protected and temporary insurance even protects No Claims Discounts. It’s ideal if you need to borrow a car, share a long drive or even pick up a new set of wheels.

Driving holidays driving with friends

Why should I compare temporary car insurance prices?

You should never commit to buying any type of product or service without seeing what else is available or at least who else is selling the same thing. You should take your time to try and find the best deal for your situation. If you don’t compare prices before purchasing then you could end up paying more for the same product.

Not only could you save money but different providers may offer different variations of the product. One insurance company may offer a higher level of cover as standard, while another may charge a smaller excess. By comparing the different details of the policy, you can find the cover that not only offers you the best price but the best value as well.

Comparing products will always give you more information about its pros and cons. You’ll learn more about the details of the policy and even about insurance in general and while we try to make the process as simple as possible with our helpful guides and insurance glossary, there is no better way to learn about something than to research and discover.

Two lane traffic

How can Tempcover save me money?

Tempcover is one of the few temporary car insurance sites that actually allows you to compare temporary car insurance prices using different providers to ensure you get the best deal possible.

We compare prices and policies from a panel of leading insurance providers to give you multiple quotes to choose from, that way you can pick the one that works best for you.

Not only can Tempcover save you money by comparing insurance providers but by offering temporary insurance, you don’t have to fork out for MTA’s (mid-term adjustments), hire cars or fines for driving without proper insurance.

You’re covered to use the vehicle for the duration you want and you don’t have to worry about adjustments or annual insurance admin fees, you just get the peace of mind that if something happens while you’re borrowing a vehicle, you’re covered.

We also save you time by giving you a quick and easy quote process that only asks for the minimum amount of information. Getting a quote takes just a couple of minutes and instant cover is available.

While comparing prices can take some time, if you’re in a rush or an emergency you compare insurance quickly and choose when you want your policy to begin.

Can I get cover?

Temporary insurance is available to a wide range of drivers in a number of situations. From learners to drivers with European licences, we are confident we can provide cover to drivers from all backgrounds.

There are however some drivers that some of our panel of insurers won’t provide cover for. Unfortunately, we can’t at this time provide cover for drivers who:

  • Are younger than 17 and older than 75
  • Hasn’t had a full UK licence for at least 6 months or EU licence for 1 year
  • Have been disqualified from driving in the last 2 years
  • Had no more than 6 points in the last 2 years

We are also unable to provide cover for drivers looking to drive cars which:

  • Are modified in any way except to aid disabled drivers
  • Are left-hand drive
  • Have more than 8 seats in total
  • Have been hired or are to be used as a taxi, courier or for home delivery

Other exclusions may apply.

Start a quick and easy quote now and get temporary insurance in minutes.

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