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Daily Car Insurance

Product guides

Daily Car Insurance

Get one day insurance in just 90 seconds

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What is one day car insurance?

One day car insurance is a simple and straightforward way to insure a vehicle for just 24 hours.

With the same level of cover you’d expect from longer insurance, daily car insurance is the quicker, easier, and cheaper insurance alternative when all you need is just 1 days cover.

There are no long-term contracts or commitments, and no complicated forms to fill in. It’s quick, easy cover on the day you need it.

Can I insure a car for one day?

Yes, with 1 day car insurance you can get quick, easy and affordable car insurance.

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

Don’t need a whole day? You can get cover from just 1 hour with hourly temporary car insurance

What does daily car insurance cover?

Get the cover you need with customisable 24hr car insurance from Tempcover. The cover is fully comprehensive which protects against damage to yourself, your car and/or any third parties involved in an accident. You’re also covered for the following:

What’s covered with one day car insurance

What’s not covered with one day car insurance

Fully comprehensive insurance on all 1 day insurance policiesThe excess you agreed to pay
Accidental and malicious damage to your carRelease from an impound (unless you buy a specific temporary impounded vehicle policy)
Legal liabilities for injury or damage to another person or their propertyAdditional 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 when providing daily car insurance cover. This means we’re able to provide a range of car insurance for the day, find you the best possible prices, and cover 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.

Am I eligible for daily car insurance?

Daily car insurance is available for a wide range of drivers. You can expect to get a one day insurance quote if you meet the following criteria.

To get daily car insurance cover, you must

To get daily car insurance cover, your car must

Be aged 17-78 years oldBe valued between £1,500 and £65,000
Hold a UK or EU driving licencebe 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 expatriateThe 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 yearsNot be modified in any way except for those designed to aid disabled drivers
Have not been disqualified from driving for the last 2 yearsBe a right-hand drive car
Have no more than 2 fault claims in the last 3 yearsHave no more than 8 seats
Have no criminal convictionsNot be declared SORN
Not have had a previous policy of insurance declared void by an insurer

Please be aware that each insurer on our panel has its own eligibility criteria and so you should pay close attention to their Proposer’s Declaration.

Can I get temporary car insurance for longer than a day?

Yes – temporary insurance is flexible to suit your situation. Whether you need short term insurance for just an hour or up to one month, you can find a policy that’s right for you.

Find the cover that’s right for you with Tempcover:

Can I get one day car insurance on a different type of vehicle?

You can find car insurance for the day for a range of vehicles and for different types of drivers.

Get the one day insurance that’s right for you:

One day car insurance FAQs

What are the benefits of 24hr car insurance?

Included in 1 day car insurance cover are several benefits that make it the ideal insurance solution for you:

  • Quick and easy cover in 90 seconds
  • No impact on No Claims Discount
  • Fully comprehensive cover as standard
  • Flexible start times – to the minute
  • Cover from just 1 hour to 28 days
  • No long-term contracts or commitments
  • Policy documents delivered instantly
  • Start and stop cover as and when you need

When is daily car insurance the best option?

It can be a real life saver in an emergency. Emergency temporary car insurance for one day can help you use a car at short notice without impacting any existing insurance. Even in more normal times, 1 day car insurance is a great way to avoid the hassle and expense of adjusting annual insurance when borrowing a car or temporarily using a different car.

Students or young drivers who only need occasional cover can find daily temporary car insurance for new students or one day temporary car insurance for young drivers to help cut the cost of cover.  You may also find that daily temporary car insurance for learner drivers is ideal when getting that extra practice in.

Some of the most popular situations when drivers choose to insure a car for just 24 hours include:

  • Borrowing a friend’s car for a day or two
  • Sharing the driving with a friend
  • As a new driver looking to drive occasionally with temporary car insurance for new drivers
  • Using someone else’s car in an emergency
  • When you don’t know exactly how long you’ll need
  • Taking a SORN vehicle for an MOT
  • When taxing a car
  • Test driving a new car
  • Driving a new car home

Who can get daily car insurance?

You could expect to get a daily car insurance quote if you are aged 17-78 with a UK, EU, or International licence. You must have no more than 7 licence points in the last 3 years, not been disqualified from driving in the last 2 years or have no more than 2 fault claims in the last 3 years. Other acceptance criteria will apply.

Can I get a 2-day car insurance policy instead?

Yes, you can get car insurance for two days or more. On a weekend away, or just in case things don’t go to plan, flexible daily insurance means you can either start with a two day car insurance policy or just simply buy cover one day at a time as you need it.

That also applies if you need 3-day, 4-day or 5-day car insurance as well. We can provide cover for up to 28 days.

Is daily car insurance expensive?

1 day car insurance is often the cheapest insurance option when compared to adjusting an existing policy of paying for a whole years’ worth of cover.

The actual cost of 1 day 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.

Will my data be added to the Motor Insurance Database if I get car insurance for one day?

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 daily car insurance policy and temporary insurance in general, 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.

What if I need a different policy length?

You can get short term car insurance for longer than one day.

First, if you need one day, two-day, three-day, four day or five-day car insurance you can either buy multiple one day policies, or a two day, three day, four day policy to meet your needs.

If you need longer than that we can provide car insurance for one week and even one month car insurance options. Anything up to a maximum of 28 days is available on a single short-term car insurance policy.

On the other hand, if getting car insurance for even a day or two is too much we also provide hourly car insurance! We have all sorts of temporary policies for drivers of all ages and getting a quote is quick and easy.

Can I be added to another person’s insurance 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.

What happens if I have an accident while I’ve got temporary cover?

Should the worst happen while insured with temporary cover, we have a dedicated claims handling team to help you out. The claims team will take you through the process step by step.

If the accident was not your fault, they’ll collect details of the claim and arrange any replacement or repairs. They can also help reclaim any uninsured losses.

The cover you need for the duration you want

Full cover,
no impact

Get fully comprehensive cover on our standard short term policies - plus it won't affect your no claims discount

Hourly, daily, weekly

Choose the duration you want with 1-12 hour and 1-28 day cover available - don't pay for cover you don't need

All customised, nothing added

Customise your policy to suit your specific situation - get the policy you want and even choose the minute you want your policy to begin

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