Hourly car insurance

While traditional temporary car insurance and it’s 1–28 day duration is the ideal option for hundreds of thousands of drivers, there are times when even 24 hour car insurance is more cover than you actually need – for those instances, hourly car insurance could be the ideal way to save time and money.

For all those quick journeys home, round the corner trips and last minute emergencies, you can get hourly car insurance that gives you the cover you want without having to pay for insurance you don’t need.

Hourly cover could be the best way to save time and money for a range of everyday situations, from borrowing a friend’s car to driving home a new set of wheels.

The journeys may be short, but you still need to ensure you’re properly insured to use a vehicle you’re not already covered to use.

Driving without insurance is illegal and never worth the risk. Something as simple as driving a family members car home from the pub could see you receive between 6 and 8 penalty points, a driving ban and an unlimited fine if you’re not insured to use the vehicle.

A quick, easy and affordable hourly insurance policy would help you avoid any potential penalties and let you use another car legally, giving you and the vehicle owner complete peace of mind that should the worst happen, you’re covered.

Can I get car insurance for just one hour?

With hourly car insurance, you’re able to get the same flexible, comprehensive cover as a standard one day or one month policy but for just one hour.

It’s the same quick and easy process to get a quote and with Tempcover your policy can begin instantly so there’s no waiting around if you need cover to begin straight away.

One hour car insurance gives you the freedom and flexibility to get cover as and when you need it. There are no long-term contracts, you’re not tied to anything and you only pay for the cover you actually need.

It’s not just one hour car insurance that’s available from Tempcover. To make sure you get the cover that suits your own individual situation, you’re able to choose the duration you want – hourly cover is available from 1-12 hours at a time.

Am I able to get an hourly insurance policy?

Like all temporary policies from Tempcover, 1-12 hour insurance is available to a wide range of drivers with different driving backgrounds. Having sold over 2 million temporary insurance policies, we are confident that most drivers can get cover.

You can expect to get an hourly policy if you meet the following criteria:

• Aged 18-79
• Have a current full UK driving licence for a minimum of 6 months, or
• Have a current full EU or International licence for a minimum of 12 months
• Have had no more than 7 penalty points in the last 3 years
• Have not been disqualified from driving in the last 5 years
• Looking to insure a car worth between £500 – £100,000

There are however some specific restrictions that would mean we are unable to offer you an hourly policy:

• No car modifications allowed (except for those designed to aid disabled drivers)
• Left-hand drive cars
• You want to recover an impounded vehicle (impounded vehicles require a minimum 30 days insurance to be released)
• Cars with more than 8 seats in total

Other restrictions may apply at the insurance providers discretion.

Save time and money

Temporary car insurance is designed to save you time and money by offering car insurance for the duration you actually require. With hourly cover, you don’t even need to purchase insurance a whole days’ worth of cover if you don’t need to, you can get exactly the duration you want quickly and easily.

Not only will you save money by only paying for the cover you want but because an hourly car insurance policy, like all temporary car insurance policies, are separate, standalone policies, should you have an accident, no No Claims Discount will be affected.

By keeping your No Claims Discount, you could save yourself hundreds of pounds on your annual cover.

You won’t only just save money with a 1-12 hour policy, you’ll also save time. Getting cover online takes just a few minutes, there are no difficult or intrusive questions, you just need to provide some basic information about yourself (or whoever you want the named driver on the policy to be) and the car you want to insure.

Once you’ve entered your information, you’ll be presented with a range of quotes from our panel of insurers. This lets you compare prices to ensure you get the best deal for your own individual circumstances. Here you can also select when you want your policy to begin, down to the minute.

After selecting the policy that’s right for you, you’re just a few clicks away from being covered. To purchase your policy, you can pay via credit card, debit card, PayPal, or Amazon Payments.

When you’ve purchased your policy, your certificate of insurance is emailed to you instantly, so you can get on the road the minute your policy begins.

Need cover for longer?

While hourly car insurance cover is ideal for many drivers, there are many situations when you’ll need cover for a longer duration. If you need more than 1-12 hour cover then don’t worry, you can get 1-28 days cover that’s just as quick and easy to purchase.

Whatever the duration you need, you can find fast, flexible, affordable temporary insurance from the UK’s leading provider of short term cover, Tempcover.

We help hundreds of thousands of drivers each year get the cover they need and whether it’s one hour insurance, one day insurance, or one month insurance, we’re confident we can help save you time and money.