Temporary car insurance provides you with a way to get cover for a car that you don’t need long-term insurance for. Below are some of the key benefits of getting temporary car insurance online:
- Cover from one hour to 28 days
- Cover for all types of cars
- Cover for drivers aged 19+
- Easy pressure-free quotes
- Protect the car owner’s No Claims Bonus
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A guide to temporary car insurance
Temporary car insurance allows you to get cover for a car on a flexible basis where you’re not a committed like with a long-term car insurance policy. With temporary car insurance, you can take out cover for whatever period of time you require cover for, whether it’s a day, a week or a month.
Getting temporary car insurance quotes is a quick and easy process. If you want to get quotes now, then simply click the green quote button. For more information on temporary car insurance, read below.

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How does temporary car insurance work?
Temporary car insurance is a very simple. It works much the same as regular car insurance in that you pick the level of cover you want for things like road risks and breakdown cover, except unlike regular car insurance, you can pay on a flexible basis that cover you only for the period of time you require.
What types of cover are available?
Below are the main types of cover you can choose from with temporary car insurance:
- Third party only – Third party only insurance will provide enough cover to allow you to drive your car permanently for the period of time you’re covered. It won’t provide any protection for the car you’re driving but will make it road legal. Third party only is usually the cheapest option.
- Third party, fire and theft – The same as above except the car you’re getting cover for will also be protected for theft and fire damage.
- Fully comprehensive – A fully comprehensive policy will cover your car for all types of accidents, including those where you’re at fault. It also includes fire and theft with most insurance providers.
- Breakdown assistance – You can also have breakdown assistance included a temporary car insurance policy. This is a very useful additional type of cover to have.
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How much does temporary car insurance cost?
The cost of a temporary car insurance policy depends on a few key factors. The main ones are:
- Your age – Age is always a big factor when it comes to car insurance. Generally the younger you are, the more you can except to pay. This is simply because younger drivers are more likely to be involved in incidents that require a claim.
- Your location – Your location is another factor that affects the cost of temporary car insurance. If live in a high crime area, then you can except to pay more for cover.
- Your driving history – Your driving and claims history will also affect what you pay for temporary cover.
- The car you’re insuring – The type of car you want to cover will impact cost too. Its total value, the model and whether or not there are any modifications that have been made are all things insurance providers will take into account.
- The level of cover you take out – The type of policy you get will also be a factor that affects cost. A third party only policy for example, will usually be significantly cheaper than a fully comprehensive policy.
- Length of the policy – The amount of time you need cover for will of course impact what you pay too. A policy that covers you for just a few days will naturally be cheaper than one that lasts for months.
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Who can benefit from temporary car insurance?
Some of the main reasons you might need a temporary car insurance policy include:
- Using a courtesy car
- Emergency use
- Test driving a new car
- You’re a new or younger driver
- Collecting or delivering a vehicle
- Borrowing a car
- Sharing driving responsibilities on a long journey
What are the best ways to save money?
Some great ways to save money on temporary car insurance are:
- Get a third party only policy – Third party only insurance is usually the cheapest level of cover you can get, so if you want to save money, this is the best option.
- Increase excess – By increasing the excess on your policy, you can lower its cost.
- Get multiple quotes – Getting multiple quotes is always recommended when getting temporary car insurance.
Get temporary car insurance quotes now
If you want to get temporary car insurance quotes from a panel of expert providers, then simply click the green button below.
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Temporary Car Insurance FAQs
What’s the minimum length of a temporary car insurance policy?
This depends on the insurance provider but many providers will allow you to get cover for as little as one hour.
Can I get temporary car insurance for my own car?
Yes it’s absolutely possible to get temporary car insurance for your own car. For example if you only use your car on occasion and don’t require long-term cover.
When is temporary car insurance not suitable?
Temporary car insurance isn’t suitable for longer periods since it will end up costing more than regular cover in most cases. It’s also not suitable if you’re using your car to make money, such as doing deliveries.
Is it possible to get temporary cover for a van?
Yes you can get temporary cover for a van just the same as you would for a car.
Can I tax my car with temporary cover?
Yes, in order to get tax, you need to show you have cover in place and temporary cover will still enable you to do this.
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