What is temporary car insurance?

Temporary car insurance is time-limited cover that’s ideal for when you need to borrow a car, pick up a new vehicle or just share a long drive. Whenever you need to use a car that you’re not already insured to drive, temporary cover is the flexible and affordable option.

How does temporary car insurance work?

Unlike your standard annual policy, temporary car insurance gives you the same level of comprehensive insurance but for a duration that works for you.

It works in the same way your usual insurance does except there are no long term contracts. Once the policy duration you choose is over, it won’t automatically renew, the policy simply expires and that’s it.

You will receive a reminder when the policy is due to expire so you can quickly and easily purchase more short term car cover if you need it.

Young women laughing in a car with temporary car insurance

Can I get temporary car cover?

We are confident that most drivers will be able to get a temporary car insurance policy, but there are a few restrictions.

Are aged between 18 and 78 years old

Are the holder of a UK or EU driving licence

Have held your licence for at least 6 months (12 months for EU licenses)

Are looking to insure your car which is valued between £800 and £65,000.

There’s still a good chance we can offer you temporary car cover even if you have penalty points – although time limits and certain restrictions do apply. This is specifically for our temporary car insurance scheme; the acceptance criteria for other schemes may vary.

On the other hand, there are unfortunately some occasions when we won’t be able to offer you short term cover. These include the following circumstances:

Where car modifications are present (except for those designed to aid disabled drivers)

The car is Left-hand drive (though we can insure left-hand drive motorhomes and caravanettes)

If you’re trying to recover an impounded vehicle (Try our specific impounded car insurance)

The car has more than 8 seats in total

The car has been hired and/or used for taxi, courier or home delivery

The vehicle is not registered in Great Britain, Northern Ireland or the Isle of Man.

How much does temporary car insurance cost?

You’ll be able to find quotes for temporary car cover that range from hours up to 28 days of cover. While prices will vary depending on the driver, their driving histories and the vehicle, you can expect cover to start from as little as £8.99 for 1 hour.

Do I need insurance to borrow a friend’s car?

Yes, you will always need to be insured when you borrow a friend’s car. You will need either:

A temporary car insurance policy

To take out an annual policy on the borrowed vehicle

To be added to the owner’s annual policy.

If you have your own annual policy you may be covered to drive other cars, but this is unlikely.

Friends going on holiday in grey car’

Benefits of temporary insurance with Tempcover

Temporary insurance is cost effective

There’s no sense in rush-buying an expensive annual policy when you could give yourself some time to assess your options thanks to short term car cover. If you’re in a rush to get the car home, this could save you money in the long run.

You only pay for what you need

With options ranging from hourly policies up to renewable 28 day cover, you only pay for the time you’ll actually use the vehicle. This saves you paying over the odds for an annual policy that you don’t even need.

Is it cheaper to add someone to your car insurance?

Almost certainly not. You’d either have to be formally added to the vehicle owner’s policy or you’d have to buy a whole years’ worth of cover for that vehicle yourself. Both these options can be very expensive and would take a lot of time and effort to arrange.

Short term cover keeps the cost of insurance down while giving you and the owner of the car the reassurance that should the worst happen, it won’t impact their annual insurance.

Protect No Claims Discount

With temporary car cover, you get complete peace of mind because if you have an accident in another person’s vehicle, it will have no impact on their No Claims Discount. This is because it’s a separate policy which sits alongside their existing annual insurance (which the vehicle owner must have). This is a relief for both parties as No Claims Discount is something that takes a long time to build and can save the owner a lot of money on their annual cover.

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