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Daily Car Insurance

Your guide to getting car insurance for a day

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Your guide to 1 day insurance

There are many times when we need insurance that’s a bit more flexible than the usual long-term policies. Insuring car insurance daily can be the perfect solution for a wide range of everyday situations.

1 day insurance can save you time and money and it’s never been quicker or easier to arrange. Whether you’re out for a test drive, moving house, or just need to borrow a friend’s car; day insurance for cars is affordable, flexible and available in minutes.

So can i insure a car for just one day?

Yes, with one 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.

Blonde woman driving a green car with 24 hour insurance

When is daily car insurance the best option?

There are lots of situations when it might suit you to get car insurance for one day over a longer-term policy. People get one of our temporary car insurance policies for all sorts of reasons. Some of the most common are:

  • Borrowing a friend’s car for a day or two
  • Sharing the driving with a friend
  • 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

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

Yes, you can get car insurance for two days or more. Flexible daily insurance means you can either start with a two-day car insurance policy or just extend your cover to two days if you need to.

That also applies if you need 3-day, 4-day or 5-day car insurance as well.

Two lane traffic

What are the benefits of day car insurance?

There are a number of benefits to one day insurance policies, including:

  • Protection for no-claims bonuses because this is a totally separate policy.
  • You and your car are thoroughly protected with comprehensive cover as standard.
  • A flexible start time so you can choose when your policy starts to the minute.
  • You’re not tied into anything because there’s just a one-off payment up front with no future payments or any hidden costs.
  • Instant delivery of policy documents to your email address.
  • Flexibility to just pay for the cover you need means you can start and stop from day to day by getting different policies only when you need.

How much does one day car insurance cost?

The actual cost of one 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.

So while the cost of insurance always varies depending on these different things, most people will find a 1-day policy costs around £20.

Why does daily car insurance cost that much?

While you may think that a 1 day car insurance policy should cost the equivalent of a single day’s worth of annual cover, this isn’t the case.

If you take the average cost of annual insurance, £762 (according to confused.com’s price index as of Q1 2019) and divide it by 365 days, then a one day car insurance policy would cost almost exactly £2.

This would be a wonderful price for a day or two’s cover, but when you consider the thousands of pounds of financial protection you receive as well as the business overheads that go into just setting up a policy you can appreciate why short-term policies cost a bit more per day.

Who can get daily car insurance?

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.

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

With a 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 daily 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.

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 combine multiple one-day policies to meet your needs. This is how we’re also able to offer weekend car insurance.

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 an easy.