Temporary insurance for cars

Find short term car insurance from 1 to 84 days quickly & easily

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What is temporary car insurance?

  • Fully comprehensive cover for cars from 1 day up to 84 days.
  • An alternative to a 12 month policy, it's a short term car insurance solution for everyday tasks like a trip to the supermarket or emergencies where someone may need to borrow your car but they’re not covered by your existing insurance policy.
  • It's generally a cheaper and more flexible option than buying a new policy, or amending an existing one.

Who might it be good for?

  • Driveaway insurance - If you want to test drive a car before you buy, or you've just bought a car, you might want cover till you can arrange a longer term solution 
  • Young drivers - If you're aged under 21, don't have your own car but have access to a friend or relatives car, you might want to take out a shorter insurance policy to cover you whilst on holiday from University or to allow you to drive to a festival
  • Car enthusiasts - If you own a convertible or sports car that's used as a second car, you might be interested in taking out weekend insurance to cover you for that short period where you want to head out and make the most of your car
  • Learner drivers - If you're learning to drive and only have time to fit in lessons every now and then, taking out insurance as and when you need it could be cheaper than taking out a full length policy
  • One day insurance - If you have an emergency or need to use a car to move home, you could arrange one day insurance to cover your needs

How does short term car insurance work?

With the vehicle owner’s permission, you can quickly and easily arrange a policy to start from the moment you've bought it.

You’ll need to fill in a few of bits of information:

  • Details about yourself including your name and address
  • Your licence and driving history
  • Details of the car you’d like to insure
  • The date and time you’d like cover to begin and end

A temporary car insurance policy could be useful in an emergency to sort out one day car insurance or cover for routine tasks like taking a trip to the shop, getting to work if your car is in the garage for repair or borrowing a bigger car to help you move house.

What does short term car insurance offer?

A short term policy offers an alternative to a 12 month car insurance policy, but if you're unsure whether it could be what you need, take a look at some of the features it includes:

  • The option of immediate cover from the moment you've bought it
  • Peace of mind that you’re insured to drive
  • Daily insurance or even cover for just one day
  • Arrange cover for up to 30 days in advance
  • Optional comprehensive cover for driving in Europe

If you're looking for temp cover for a van, take a look at our temporary van insurance page.

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Need more help?

How old do I have to be to get temporary insurance?

This depends on the type of driving licence you have:

Provisional licence

If you’re aged between 17 and 25 with a provisional licence you can get cover to practise driving in your own car.

If you’ve got a provisional licence and want to drive someone else’s car you need to be aged between 17 and 30 to get cover.

Whether you’re driving your own car or someone else’s, your licence must be valid. When you’re driving, you’ll also need to be accompanied by someone aged over 21 who has held a full driving licence for at least three years.

Full licence

If you’ve passed your test and have held a valid full UK licence for at least 6 months, you need to be aged between 18 and 75 to get a policy.

How long does it take to get a policy?

You can get a quote and buy online in just a few minutes. Documents are instantly emailed to you so you’re ready to go as soon as your cover starts.

How does temporary insurance affect an existing insurance policy?

Simply put, it doesn’t. As long as the details you provide are correct and you’re driving within the arranged policy start and end date, any accidents that happen are covered by the temporary policy.

Do I need to let the existing insurer know?

No. As long as you have the car owner’s permission, you’re good to go.

Are there any restrictions?

Exact restrictions can vary between insurers. Generally, to be a driver you must confirm you:

  • Haven’t been disqualified from driving or had your licence cancelled
  • Have never been refused insurance or had a policy cancelled or voided
  • Have no criminal convictions or pending prosecutions
  • Have had no more than 2 accidents, claims or losses in the last 3 years regardless of blame

You also need to confirm the car:

  • Has a valid MOT, isn’t declared as SORN and hasn’t been seized by the police
  • Isn’t a horsebox, licensed taxi or minicab, lorry, minibus, recovery vehicle, refrigerated or a tipper
  • Will be used for social domestic and pleasure use only, including commuting and personal business use only

What details do I need to get a quote?

To get a quote we need to know:

  • When you want the cover to start (time and date)
  • The reason for cover – is it to borrow a car, take a test drive or something else?
  • The vehicle reg no. or if you don’t know that, the make and model
  • Details of the driver – date of birth, postcode, type of driving licence and how long you’ve held the licence
  • How long you want cover for (the minimum is 1 day and the maximum is 84)
  • How much excess you want on the policy

Which vehicle types can be insured?

You can get cover for cars and vans.

Will I be covered for business use?

Policies cover you to use your vehicle for social, domestic, commuting to and from a permanent place of work and personal business use only.

Can new drivers get cover?

Yes, but you must have passed your driving test at least 6 months ago, have held a full licence for the same amount of time and be aged between 18 and 75.

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Confused.com's temporary cover solution is provided by Safely Insured who are a trading style of Sky Insurance Services Group Limited. Sky Insurance Services Group Limited are authorised and regulated by the Financial Conduct Authority under firm reference number 469048. Sky Insurance Services Group Limited is registered in England No. 05970797 at office: 167 Turners Hill, Cheshunt, Herts, EN8 9BH. Confused.com is an intermediary and receives commission from Safely Insured which is a flat rate fee.