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Temporary car insurance

Get short-term car insurance for one day, week or month

The average cost for a one day temp policy is just £44*

  • 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

*Figure from Tempcover for average policy purchases in February 2022.

What is temporary car insurance?

Temporary car insurance gives you short term cover for driving a car. You can get insurance quickly for as little as 1 hour to 28 days. It’s a great solution for emergencies or other occasions where you need to borrow someone else’s car at short notice.

Do I need temporary car insurance?

If you only need car insurance for a short period, temp cover offers a handy alternative where you can choose the policy length.

There are many different drivers who could benefit from a temporary car insurance policy:

Car buyers who need driveaway insurance. If you’ve just bought a car and need to get it home, you might want temporary cover until 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 short-term car insurance policy to cover you while visiting friends or family, or on holiday from university.

Car shoppers who need temporary 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, short term cover could be a great solution.

Road trip lovers. If you're taking a road-trip and borrowing a car or want to share the driving, temporary car insurance can cover you and your friends behind the wheel.

If your car has been impounded and you want to get it out, you'll need to prove it's insured for a minimum of 30 days. If you don’t have insurance, a temporary policy can give you the short term cover you need to get your car back.

If there's an emergency and you need immediate cover to drive a friend or family member's car, you can get short term cover fast for 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 temp cover to borrow a car until yours is back on the road.

We compare temporary car insurance from up to 7 providers

How does temporary car insurance work?

Short term cover works like a standard car insurance policy, you’ll get the same level of cover but for a shorter period.

Here are some of the benefits of temporary car insurance:

  • Instant cover
  • Comprehensive cover as standard on all policies
  • Flexible cover with insurance from 1 hour up to 28 days
  • 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.

What isn't covered by temporary car insurance?

There are certain things that aren't included in a temporary car insurance policy. These include:

  • Driving other vehicles
  • Additional drivers
  • Claims that happen outside of the stated use for the car
  • Anyone other than the car owner releasing the car from an impound

Driving other vehicles. You’ll only have short-term cover for the car that’s listed under the policy. If you want to drive another car or van, you’ll have to get a 12-month insurance policy.

Additional drivers. The cover is only for the person officially named on the temporary car insurance policy.

Claims that happen outside of the stated use for the car. You can only use the car for the purpose you listed in the policy details. If you didn’t include business use in your policy, and go on to use your car for business, you won’t be covered for any claims.

Anyone other than the car owner releasing the car from an impound. The police will only allow the vehicle owner to reclaim an impounded car. A temp policy won’t help you unless you’re the vehicle owner.

How to get temporary car insurance

It’s quick and easy to compare temporary car insurance policies and there's no lengthy contract.

You can compare temporary car insurance policies and arrange your short-term cover in minutes. Just follow these simple steps.

  • We’ll compare temporary car insurance companies to help find the right policy at the right price
  • We’ll show you a list of quotes to choose from
  • Once you’ve bought your policy, you’ll get an email confirming everything, including when the policy starts and ends.

When the policy ends, that's it. If you need more cover, you can just take out another temporary car insurance policy.

What do I need to get a temporary car insurance quote?

To get a temporary car insurance quote you’ll need:

Personal details:
  • Your name and address
  • Details of your licence and driving history
Car details:
  • Details of the car you'd like to insure
  • When you'd like the cover to start
  • How much the car is worth. The minimum you can enter is £1,500, we do not cover cars with a value below this amount.

We compare temporary car insurance from up to 7 providers

How much does temporary car insurance cost?

The average prices for one day and one week are1

One day

£44.20

One week

£119.37

1Figures taken from Tempcover for average policy purchases in February 2022

Your own costs will depend on:

  • Your age
  • Your driving experience
  • The car you're looking to insure
  • How long you need short-term 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 car 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.

What is one day car insurance?

One day insurance provides you with the short-term cover you need. It also spares you the hassle and cost of committing to a longer-term policy. This is useful if you need to borrow somebody else’s car or let someone drive yours.

What are the benefits of short term car insurance?

Arranging one day car insurance is quick and can be a saviour in an emergency. You can set up cheap daily car insurance as and when you need. This spares you the expense of being added as a named driver to a standard car insurance contract.

One day car insurance allows you to enjoy the benefits of:

  • No long-term contracts
  • Cover from 1 hour to 28 days
  • Insurance as and when you need it
  • Comprehensive cover
  • The chance to arrange cover instantly

How long does it take to get a temporary car insurance policy?

You can get a quote and buy cover online in just a few minutes. You should get the documents emailed to you straight away so you can quickly hit the road.

How does temporary car insurance affect an existing insurance policy?

Short-term cover shouldn’t impact your existing policy. That’s as long as the details you provide are correct and you’re driving within the arranged policy start and end date. If the policy is valid, any accidents that happen should be covered by the temporary car insurance policy.

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

Can I get weekly car insurance?

Yes, you can get temporary car insurance cover for a week. When you get a quote simply select the cover policy length you want and you’re good to go.

Can I use temporary car insurance to drive in Europe?

Yes, you can get temporary car insurance to drive in Europe. It’s worth remembering that now the UK has left the EU, you need to carry a green card when driving in Europe. For more information, take a look at our guide on driving in Europe.

If you have an existing car insurance policy, you might already have some level of cover for driving in Europe. It’s worth checking with your provider to find out the details.

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 to temporary car insurance?

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

Can I tax a vehicle with temporary car insurance?

Yes, you can tax a vehicle with a temporary car insurance policy. You do it the same way as you would with a 12-month policy, either online through the DVLA website or through your local Post Office.

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 I insure?

You should be able to get temporary car insurance cover for most vehicles. We also offer temporary van insurance if you need cover for something slightly bigger.

Will I be covered for business use?

Policies cover you to use your vehicle for social and domestic use, as well as 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 depending on your insurance provider.

Can new drivers get short-term cover?

Yes, but you need to have held a full UK licence for a minimum of six months to get a temporary insurance policy and be aged between 17 and 78.

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What our expert says

Temporary car insurance can be a great option if you need short term comprehensive cover quickly. You might need to drive a friend’s car at short notice but only need car insurance for one day, a week or more. Temp cover can give you peace of mind when you’re on the road.
Alex Kindred signature

Alex Kindred

Car insurance product manager

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.