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How can we help you with car insurance today?

Last Updated: 20/02/2017


What is temporary car insurance?

Whether you’re moving house or just borrowing a friend’s car, temporary car insurance is the flexible and affordable way to get covered. It’s the simple and straightforward answer when you need to drive someone else’s vehicle. Short term insurance is available from 1-28 days and is quick and easy to arrange. You can get an online quote in minutes and whether you need cover to start in a month or 5 minutes, the process is always quick and easy.

If you only need insurance for a short period of time, having temporary cover means you don’t have to spend time and money buying an annual policy when you don’t need a years’ worth of insurance. Short term car insurance lets you pay for the cover you actually need.

It offers comprehensive cover as standard for between 1-28 days but if you’re still not sure if it’s right for you, here are just a few of the many reasons for choosing short term insurance…

When would I need temporary car insurance?

Emergency / short term cover

With cover available for as little as one day, a short term policy is the best option in an emergency. Whatever the circumstances, if you need to drive a vehicle at short notice, getting immediate cover is incredibly helpful.

One day insurance can also be useful for a range of non-emergencies as well. You could be picking up your new car or just borrowing one from a friend. Whatever the circumstances, you need to be properly insured to drive another car.

One day car insurance covers you drive the vehicle anytime you need while still protecting the vehicle owner and their car.

Learner drivers

Most young people want to get behind the wheel the day they turn 17, but learning to drive can be expensive. One way to reduce the cost is to have private lessons with friends or family.

Many drivers are reluctant to allow a learner to practice in their car but with our learner's insurance you get piece of mind as we cover it all:

  • The learner
  • The vehicle
  • The vehicle owners’ insurance policy
  • The vehicle owners’ no claims discount

You can purchase short term learner drivers insurance that’s specifically designed to fit the needs of learners. Cover’s available for up to 3 months and lets you get that crucial practice you need, without affecting the car owners’ insurance premiums.

Borrowing a car

More and more annual insurance providers are removing the ‘drive other cars’ clause from their policies. This means that you could be driving illegally when you get behind the wheel of a friend or family members car.

Rather than risk penalty points and an unlimited fine, get a temp policy which means you’re legally entitled to use the vehicle for the duration you want. Not only do you get the peace of mind that you’re properly insured but because it’s a separate policy, the vehicle owner won’t lose their no claims discount if you have accident.

Not only will you be protecting the no claims discount of the person you’re borrowing from but it also means they don’t have to adjust their existing insurance to add you as a name driver. Having to make a change to the policy could see them hit with expensive admin fees and it could also increase their premium.

It’s quick and easy to get a policy and cover can be arranged in just minutes. Save time and money with a short term policy and relax knowing that everyone is covered.

Driving holidays

If you’re planning the road trip of lifetime or just heading to the countryside, you’ll want to be sure you’re covered for all eventualities. Whether you’re driving at home or in the EU, short term car insurance offers comprehensive cover and a range of affordable optional extras including roadside breakdown assistance from the AA.

If you’re one of many people who like to share the driver’s seat during long holiday journeys, you can even add a second named driver to the policy. This can be a real life saver in emergencies or when the main driver gets too tired to continue.

Why choose temporary car insurance?

Our lives are often unpredictable but with temporary car insurance, you get flexible and reliable cover for many everyday tasks. From one day jobs like borrowing a car to a month long driving holiday, it’s the easiest way to get comprehensive cover on a short term basis.

By buying short term car insurance, you don’t have to worry about affecting any existing insurance you might have. Not only will it save you the time and effort it takes to adjust your annual insurance but because your no claims discounts are protected, you could also save yourself money in the future.

Without the constraints of an annual policy, you’re able to get cover as and when you need it. This means you're insured for the things you’ve planned for and even the things you haven't.

Who we cover

Temporary car insurance can be incredibly useful for a wide range of reasons and usually cover is available to most drivers. You can expect to be insured if you are:

  • Aged between 17 and 75 years old.
  • The holder of a UK driving licence, EU driving licence and a UK provisional driving licence.
  • A driver with penalty points - time limits and certain restrictions do apply.
  • Looking to insure a vehicle valued at a minimum of £500. The maximum claim for a vehicle is capped at between £40,000 and £65,000 depending on the insurer chosen.
  • Wanting to add an additional driver to the policy.

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:

  • No car modifications allowed (except for those designed to aid disabled drivers)
  • Left-hand drive cars (we do insure left-hand drive motorhomes)
  • Cars with more than 8 seats in total
  • Cars that have been hired and/or used for taxi, courier or home delivery