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Temporary insurance for cars

Find short-term car insurance from 1 hour to 28 days

The average cost for a one day temp policy is just £42*

  • Get covered instantly if you need a policy to start immediately

  • Buy cover up to 28 days in advance

  • Flexible cover and no lengthy contracts

*How did we get this figure?

*Figure from Tempcover for average policy purchases in December 2020

What is temporary car insurance?

Temporary car insurance, also known as short-term car insurance is a type of fully comprehensive cover for cars that can last from 1 hour up to 28 days.

You can buy and start a policy in minutes, which makes it a great solution for everyday tasks like a trip to the supermarket, or emergencies where you may need to borrow a car but you’re not covered by an existing insurance policy.

Taking out a temporary policy won’t affect an existing insurance policy on a car or the owners no-claims bonus. Other than giving you their permission to drive the car, the vehicle owner doesn’t need to do anything.

The other great news is that it’s quick and easy to compare policies and there's no lengthy contract. Once the policy ends, that's it. If you need more cover, you can just take out another.

Who is temporary car insurance suitable for?

Car buyers who need driveaway insurance. If you’ve just bought a car and need to get it home, you might want cover till you can arrange a longer-term solution.

Young drivers who don’t have their own car but have access to a friend or relative’s car. You might want to take out a shorter insurance policy to cover you while visiting friends or family, or on holiday from university.

Car shoppers who need cover while they test drive a new car.

Car enthusiasts who own a convertible or sports car. You might want to let a friend or relative borrow it for a weekend or a special occasion.

Home movers. If you need to borrow a larger car or van to move home, you could arrange one day insurance to cover your needs.

Road trip lovers. If you're taking a road-trip and borrowing a car or just want to share the driving, a temp policy can insure friends to get behind the wheel.

If there's an emergency and you need immediate cover to drive a friend or family member's car, you can get cover from as little as one hour to a few weeks.

If your car is in the garage and you need to get around, you might need to borrow a car until yours is back on the road.

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What do I need to get a quote?

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

Having these things to hand makes the quote process a bit easier:

Personal details:
  • Your name and address
  • Your licence and driving history
Car details:
  • Details of the car you'd like to insure
  • The dates and times you'd like the cover to begin and end

What does short-term car insurance offer?

If you only need temporary cover, a short-term policy offers a handy alternative to a 12-month car insurance policy.

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 buy it
  • Comprehensive cover as standard on all policies
  • Flexible cover with insurance from one hour up to 28 days
  • The option to arrange cover up to 28 days in advance
  • No risk to yours or the car owner's existing no-claims bonus
  • No lengthy contracts, once the policy ends, that's it

We also provide temporary van insurance with the same benefits.

How much does temporary car insurance cost?

The average prices for one day and one week are1

One day

£42

One week

£117

1Figures taken from Tempcover for average policy purchases in December 2020

Your own costs will depend on:

  • Your age
  • Your driving experience
  • The car you're looking to insure
  • How long you need cover for

The easiest way to get an idea of how much it'll cost is to get a quote.

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’ve got a provisional licence, we can’t help you find temp cover but a learner driver insurance policy might be more suited to what you need.

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 17 and 78 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?

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.

Any existing no-claims bonus you or the car owner hold won't be affected.

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 that you:

  • Haven’t been disqualified from driving or had your licence cancelled in the last 2 years
  • Have never been refused insurance or had a policy cancelled or voided
  • Have no criminal convictions or pending prosecutions
  • Have had no more than 7 penalty points on your licence in the last 3 years
  • Have had no more than 2 accidents, claims or losses in the last 3 years regardless of blame

You also need to confirm that the car:

  • Has a valid MOT, unless you’re using the policy to attend a pre-booked MOT - and hasn’t been declared as SORN
  • Hasn’t been modified, unless designed to aid disabled drivers
  • Is taxed, unless you’re using the policy to buy the car tax immediately after taking out a policy

What details do I need to get a quote?

To get a quote we need to know:

  • The vehicle registration or, if you don’t know that, the make and model
  • How long you want cover for, between 1 hour and 28 days
  • When you want the cover to start
  • Details of the driver – date of birth, postcode, type of driving licence and how long you’ve held the licence
  • How much the car is worth. The minimum you can enter is £1,500
  • The email address and mobile number you want your insurance documents sent to

Which vehicle types can be insured?

You can get cover for cars, and we also offer temporary van insurance.

Will I be covered for business use?

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

Some policies may include additional cover such as class 1 business use or travelling to multiple places of work. Once you get your quote, check the insurer's declaration to see what is and isn’t included, as exact cover varies by insurer.

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 17 and 78.

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What our expert says

You might think that because you’ve already got a car insurance policy, you’re automatically covered to drive other cars. This isn’t always the case and even if you are covered, it might only be for third-party damage. A temp policy can be a cheap way to get comprehensive cover and a bit more peace-of-mind when you’re on the road.
Alex Kindred signature

Alex Kindred

Car insurance product manager

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Confused.com's temporary cover solution is provided by Tempcover LTD. Tempcover LTD are authorised and regulated by the Financial Conduct Authority under firm reference number 746985. Tempcover LTD is registered in England No. 9923259 at office: 2nd floor, Admiral House, Harington Way, Fleet, Hampshire, GU51 4BB. Confused.com is an intermediary and receives a percentage of commission received by Tempcover LTD.