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Car insurance for one day

Your guide to getting car insurance for a day

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Your guide to getting one day car insurance

Can I insure a car for one day?

Yes, with one day car insurance you get quick, easy and affordable car insurance for a day.

Offering a fast and flexible alternative to annual car insurance, temporary cover will save you time and money in everyday situations. You only pay for the cover you want and only when you need it.

Blonde woman driving a green car with 24 hour insurance

When is 24 hour car insurance the best option?

Borrowing a car in an emergency

You never know what’s around the corner, and emergencies can strike at any time. If you find you need to use a vehicle you’re not already insured to drive, a one day car insurance policy is the quickest and easiest way to get the cover you legally need.

Whatever the situation, whatever the time, and wherever you are in the UK, you can get a quote in under five minutes. Using our fast, user-friendly website, you can get access to comprehensive cover with just a few taps on your phone or tablet.

Taking a SORN vehicle for an MOT

If you own a car which you have declared ‘off the road’ with a SORN (Statutory Off Road Notification), you won’t be able to drive it until you tax it again, sell it, scrap it or permanently export it.

The only exception is for owners of a SORN car who need to take their car to get an MOT.

If you’re getting an MOT, you won’t need to tax your car to use it on a public road, as long as you are driving to or from a pre-booked MOT or other testing appointments. Taking to the road in the car for any other reason could see you face prosecution and a fine of up to £2,500.

While you won’t need to tax the car, you will still need to be insured. If you’re planning on keeping it off the road after the MOT, having to pay for an annual policy would be a waste of time and money. This is where car insurance for one day comes in.

With temporary insurance, you can get car insurance for a day when you need to use the car. You’re not tied into any long-term contracts, the policy lasts just 24 hours from the minute you select, and it won’t impact any other car insurance policies you may have.

Do you need insurance to tax a car?

Yes. Unless your car has been declared SORN and is being kept off-road, it will need to pay road tax and you will need a current insurance policy to do this. You won’t need your actual insurance documents to hand, but the car will be checked against the DVLA’s database when you go to tax it.

You could use temporary car insurance to buy road tax for your vehicle. The DVLA and most UK Post Offices will accept insurance certificates which have been downloaded from the internet, but while a 24 hour car insurance policy is usually acceptable, it is always at the discretion of each Post Office branch.

Some of the insurers we work with won’t offer cover for this purpose, but this will be clearly displayed when you’re choosing between quotes.

Test driving a new car

It’s always a good idea to test drive a potential new car before you hand over any money. You never truly know what state a car is in, or whether it’s right for you until you get behind the wheel.

Happy couple buying a car

When preparing for a test drive, one thing you might not have thought about is whether you’re properly insured. Even if you’re just going for a quick spin, you need to make sure you’re insured to drive the car you’re testing. This is especially important if you’re buying from a private seller, as they’re unlikely to have pre-existing insurance for test drives. When it comes to insurance for this, you do have a few options.

You could take a gamble on purchasing an annual policy, under the assumption that the car is perfect for you and you’ll buy it there and then. But this is very presumptuous and would leave you out of pocket if things didn’t work out.

You could also ask the current owner to adjust their existing policy to include and name you. But this would carry a lot of risk for them, and could increase their premiums significantly, so there’s practically zero chance they would want to.

This is where 24 hour car insurance comes in. A one day car insurance policy gives you just the right amount of cover to test drive the vehicle, without paying for more than you need and with much less hassle too.

Not only will you pay car insurance for one day maximum, but because it’s a separate policy, it will have no impact on any existing insurance the seller may have and protects their No Claims Discount.

This means that if you were to have an accident on the test drive, you, the vehicle owner, and any third parties involved would be covered.

24 hour car insurance saves everyone time and money. With the peace of mind that comes with comprehensive cover, you can relax and focus on making sure it’s the right car for you.

What to look for in cheap one day car insurance?

When looking for insurance, it’s important to look for the type of policy that best suits the situation you’re in. Just like you wouldn’t buy a weeks’ worth of shopping to make one meal, you shouldn’t pay for annual insurance if you only want car insurance for one day.

A good one day car insurance policy will offer you the same financial protection as annual insurance, with comprehensive cover available on all our temporary policies.

With access to the same benefits as a yearly cover but at a fraction of the cost, 24 hour car insurance is the easiest and most affordable way to get peace of mind when behind the wheel.

Flexible policies

By their very nature, temporary car insurance policies are flexible.

A lot can happen in 24 hours and sometimes a one day car insurance ends up not being enough. When your policy is set to expire, we’ll send you a reminder email so if you find that you need cover for longer, you can quickly and easily arrange more. The new policy doesn’t have to start straight away either, you buy a policy up to a month in advance.

What’s more, you can adjust most aspects of your 24 hour car insurance policy to tailor it to your specific situation. From changing the amount of excess you pay, to adding another driver to the policy, you can get the cover you want quickly and easily.

If you think 24 hour car insurance might be too much or too little, you can change how long you want your policy to last from the outset, from hourly options to daily arrangements. There’s even one week and one month options, with anything up to a maximum of 28 days available on a single short term car insurance policy.

Two lane traffic

How much does one day car insurance cost?

While you may think that a one day car insurance policy should cost the equivalent of one days’ worth of annual cover, this isn’t the case.

If you take the average cost of annual insurance, £762 (as of Q1 2019) and divide it by 365 days, then a one day policy would cost almost exactly £2.

While this would be an ideal price, when you consider the thousands of pounds of financial protection you’ll receive, as well as business overheads, you can understand why short term policies will cost a bit more.

What is the cheapest one day car insurance?

The actual cost of 24 hour car insurance can vary depending on the ‘risk’ you pose. Insurance providers calculate how likely you are to have an accident – and therefore make a claim – and will price your insurance premium accordingly.

Insurers will use the information you provide including where you live, what you do for a living and even your age, and using their own experience will calculate the cost of your policy.

Within the price of your policy, you get the immediate cover that many annual insurance companies cannot provide. Thanks to our quick and easy quote process, you can get daily insurance without having to fill out pages and pages of information too.

To ensure you get the best deal possible, we compare prices from a range of insurers. But if you’re considered high risk, you will find that your quotes will be more expensive than the average driver.

Who can benefit from car insurance day cover?

Tempcover works with several well-known insurers to ensure we can cover as many drivers as possible. The general acceptance criteria you must meet includes, but is not limited to:

  • Aged between 18 and 78

  • Have had a UK licence for at least 6 months or an EU licence for at least 1 year

  • Have had no more than 6 penalty points in the previous 2 years

  • Have had no criminal convictions

  • Have not been banned from driving in the last 3 years

  • Have not been disqualified in the last 2 years.

Updating the Motor Insurance Database

With a one day car insurance policy, you’re able to use a vehicle you’re not already insured to drive, without risking an unlimited fine or penalty points.

Once you’ve purchased your policy, we will update the Motor Insurance Database (MID). This will show authorities that you are legally covered to drive the vehicle.

We update the MID daily, but due to the short-term nature of a 24 hour car insurance policy and temporary insurance in general, it’s possible your policy may have expired before the details appear on the database. While it may take time to appear on the MID, we assure you that your insurance is in effect.

We recommend that you print your certificate of insurance or keep the digital copy on your phone whilst driving, as this remains valid proof of your insurance in case there are any issues. If the Police do pull you over, they have our phone number which they can call to confirm insurance is in place.