Temporary Car Insurance

We can have a quote with you in under 2 minutes. Simply let us know your details by starting the quote process and you’ll have an idea of the price you’ll pay for the cover you need. From there, let us know if you’d like to proceed. Once it’s all confirmed, your cover will start right away for the period of time you’ve chosen.

You’re not able to build up your NCD on a short–term car insurance policy. This is because temp insurance does not renew after the maximum duration of 28 days, so each policy counts as new.

The admin fees that insurers charge to make changes to an existing policy can often be more expensive than temporary cover. In this instance, it can work out as more cost-effective to take out the short-term insurance.

You need to be aged 17-78 and hold a full UK or EU driving licence to be eligible for temporary car insurance with Tempcover.

Temporary car insurance is separate from any existing policies you have so, if you have annual cover, taking out a short-term policy won’t impact your no claims bonus should you need to make a claim on this temporary insurance. Likewise, should you be using the short-term cover on someone else’s car, their no claims bonus won’t be affected.

Yes, you always need to be insured when you borrow a friend’s car. Otherwise, you will face fines or more severe consequences. You will need either a temporary car insurance policy, an annual policy on the borrowed vehicle, or to be 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.

Unfortunately, adding a temporary driver to a temporary car insurance policy is not possible and 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.

Yes, you can still tax your car whether you have a short-term policy or standard annual cover. There may be a delay before it appears in the Motor Insurance Database but, as long as you have all your documentation confirming that the car is insured and taxed, you’ll be covered.

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 seven 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. This is all the proof of insurance you need and gives you legal entitlement to drive the car.

The vehicle you wish to insure must have a valid MOT but you can take out temporary car cover to drive the vehicle to a pre-booked MOT appointment.

Yes. When you take out temporary car insurance with us, you can drive a car for the period that your short-term policy covers you without having to take out annual insurance. This applies whether you need one-hour or one-month cover, or something in-between.

Yes, that’s not a problem. You can take out temporary car insurance alongside your annual policy and it won’t affect your no claims discount if you need to make a claim.

When you purchase short–term car insurance with Tempcover, we’ll send you your policy documents once payment is confirmed. You can find the details of your temp insurance, including its expiry date, in your documents.

You can find your policy documents on the “You’re Covered!” confirmation page or via a secure link in your confirmation email, which is sent directly after your purchase.