Get flexible cover that's right for you with policies from just 1 hour up to 28 days
Only pay for cover as and when you need it
No impact on your No Claims Discount plus fully comprehensive cover as standard
Temporary car insurance is the ideal insurance choice for drivers looking for more flexible, cost-effective options from their car insurance.
Temporary car insurance can help you get the cover you need for the time you want and is unbelievably quick and easy. We’ll compare prices from our panel of insurers and show you the cheapest price so you’re insured and the road in minutes.
What is temporary car insurance?
Temporary car insurance is time-limited cover that’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.
How does short term car insurance work?
Short term car insurance gives you fully comprehensive car insurance for a duration that suits you. Temporary car cover is available hourly, daily, weekly, or monthly cover.
To get short term insurance, you just need to tell us a few details about the car and drive and choose when you want your cover to begin and for how long.
The details you will need:
The car’s reg number
Your details (name, address, D.O.B etc)
Your licence type and how long you’ve held it
The value of the vehicle
Your email/phone number (to send policy documents)
When you’d like the policy to start and end
What does temporary car insurance cover?
With comprehensive cover as standard on temporary car insurance, you’re covered for any damage to yourself, your car and/or any third parties involved in an accident.
What’s covered with short term car insurance
What’s not covered with short term car insurance
Fully comprehensive insurance on policies from 1 hour to 28 days
The excess you agreed to pay
Accidental and malicious damage to your car
Release from an impound (unless you buy a specific temporary impounded vehicle policy)
Legal liabilities for injury or damage to another person or their property
Additional drivers – we can only cover the driver named on the policy
Driving in the UK, and in some instances driving in the EU
Tempcover works with a panel of insurers to ensure we can provide temporary car insurance for as many drivers as possible. Because of this, full details of cover may differ depending on the insurer. Please double-check the policy wording before purchasing to confirm what is specifically covered in your policy.
Why might I need temporary car insurance?
It’s flexible. With many of us driving less right now, get the right cover for when you’re actually driving with no long term commitments.
It’s cost-effective. When all you need is a few days or weeks insurance, save money by only paying for what you need with short term car insurance.
It’s fast. Getting a temporary car insurance quote is super quick. It takes just 90 seconds online or even quicker in the Tempcover app.
No impact on No Claims Discount.Get the highest level of cover available and peace of mind that there’s no impact on existing No Claims Discount.
A big No Claims Discount can take years to build. With temporary car insurance cover, you save in the long and short term!
Handy Tip – Not sure when you’ll be driving next? Rather than declaring your vehicle as SORN, insure your car for when you need it with temporary car insurance. As long as the vehicle is taxed and on private property, short term car insurance is a great alternative.
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’s value
Your driving history
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 your 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.
Am I eligible for temporary car insurance?
To get temporary car insurance cover, you must
To get temporary car insurance cover, your car must
Be aged 17-78 years old
Be valued between £1,500 and £65,000
Hold a UK or EU driving licence
Be 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 expatriate
The 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 years
Not be modified in any way except for those designed to aid disabled drivers
Have not been disqualified from driving for the last 2 years
Be a right-hand drive car
Have had no more than 2 fault claims in the last 3 years
Have no more than 8 seats
Have no criminal convictions
Not be declared SORN
Not have had a previous policy of insurance declared void by an insurer
Get 1 hour to 28 days temporary car insurance in 90 seconds
You’ll be able to find quotes for temporary car cover that range from hours up to 28 days of cover. While prices will vary depending on the driver, their driving histories and the vehicle, you can expect cover to start from as little as £8.99 for 1 hour.
Do I need insurance to borrow a friend’s car?
Yes, you will always need to be insured when you borrow a friend’s car. You will need either a temporary car insurance policy, an annual policy on the borrowed vehicle, or added to the owner’s annual policy.
If you have your own annual policy you may be covered to drive other cars, but this is unlikely.
Can I add an additional driver to this policy?
Unfortunately, we are currently only able to provide cover for one driver per vehicle. We may offer this feature in the future, but in the meantime, if you require cover for two drivers – you will need two separate policies.
Do I instantly appear in the Motor Insurance Database?
Once you’ve purchased your temporary car insurance policy, the details of your cover will be passed to the Motor Insurance Database (MID). This process can take up to 7 days, so in some instances, your policy may have finished before the details have been added to the MID.
To ensure you have valid proof of your short term car insurance, we recommend you print or keep a copy of your Insurance Certificate on your phone as this is all the proof of insurance you need, and gives you legal entitlement to drive the car.
Can I take out insurance for my MOT?
The vehicle you wish to insure must have a valid MOT, however, you can take out temporary car cover to drive the vehicle to a pre-booked MOT appointment.
When might I need temporary car insurance?
Here are just some of the everyday situations where temporary car insurance would be useful:
Borrowing a car
Sharing a long drive
Driving on holiday (the UK and abroad)
Test driving a new car
Driving away a new car after buying
Car sharing for work or pleasure
In an emergency
For your business
Temporary cover for young drivers
Looking for temporary insurance for a different vehicle?
Since its inception in 2006, Tempcover has been dedicated to providing the best temporary vehicle insurance possible to hundreds of thousands of drivers.
We're currently rated 'Excellent' with a TrustScore of 4.6/5 on the consumer review website TrustPilot, and here’s what just some of the drivers who’ve used Tempcover before thought of our service.
Does exactly what you want
Does exactly what you want. I needed temporary insurance it was cheap quick and easy. Nice touch with the text reminding when it was about to expire. Would definitely use again if the situation required it many thanks
Exceptionally easy to complete online
This is the second time I have used Tempcover.com and once again the policy could be arranged in minutes, all exceptionally easy to complete online and documents are emailed to you on completion. Whats not to like great service for short term cover.
4 Days Ago
Love this company
Love this company i use them often when test driving cars or borrowing a car, van or bike cheep reliable. doing it on line is so easy
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