Temporary car insurance
Find short-term car insurance with these companies[1]
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Cuvva offers short-term insurance for drivers aged between 19 and 65 from as little as one hour up to 28 days. Sign up in a few minutes using their app to get comprehensive cover.
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![Dayinsure]()
Dayinsure, which is backed by Aviva, offers comprehensive short-term car insurance cover for drivers aged 19-75. You can quickly get covered for UK driving, with the option to add cover to drive in Europe too.
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![Tempcover]()
Tempcover compares comprehensive short-term car insurance policies from well-known UK insurers. UK drivers aged between 18 and 75 can easily find cover – plus learners from 17. You can get cover from one to 28 days, with flexible payment options and easy access to online documents.
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![Collingwood]()
Collingwood offers award-winning learner driver insurance, with temp cover periods starting from seven days and running to 24 weeks. This cover is for provisional licence holders, aged between 17 and 65 driving their own car, or someone else’s.
What’s short-term car insurance?
Short-term car insurance is temporary cover that can last from one hour to several months.
It can give you the same cover as standard car insurance, but without the commitment of an annual policy.
It’s useful if you need temporary car insurance to borrow someone else’s car, drive one home after buying it, or for occasional use of a vehicle you keep off the road.
Your temporary insurance policy is entirely separate to your annual car insurance policy, so it won’t affect your no-claims bonus if you need to make a claim on the short-term cover. If you’ve borrowed someone else’s vehicle, their no-claims won’t be reduced either.
How does short-term car insurance work?
Short-term car insurance policies are usually for fully comprehensive cover, although some providers might be able to offer quotes for third party only, or third party, fire and theft.
You can sometimes add optional extras like driving abroad or breakdown cover for an extra charge.
You’ll set the duration of your policy when you take out your cover. Once that time expires, you won’t be able to drive the car on public roads.
If you own the vehicle, you'll need to get a Statutory Off Road Notification (SORN) and keep it on private land, or take out another insurance policy if you want it to stay on the road.
If you need longer, ask the insurer if it can extend your cover for an additional premium.
Insurers might limit how many policies you can get in any rolling 12-month period.
If you need to insure a car multiple times in a year, it’ll probably be cheaper to compare quotes for annual car insurance instead. You’ll also build up a no claims bonus this way – something you’ll miss out on with short-term car insurance.
When would I need short-term car insurance?
Short-term car insurance can be useful for lots of situations, whether you own a car or not:
- Borrowing a friend or family member’s car
- Learner drivers practising before their test
- Collecting or delivering a vehicle
- Test driving a new car or driving it home after buying it
- Splitting driving duties with friends and family on a long journey
- Occasionally driving a classic or sports vehicle
- In an emergency to borrow a car in a hurry
How do I get a quote for short-term car insurance?
To help find you quotes for temporary cover for your car, you’ll need to answer a few questions about:
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About you
Your name, address, date of birth and driving history
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About your car
Information about the car you want to cover. Its make and model, for example
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Length of cover
Choose how long you need cover for, from as little as one hour to 24 weeks
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Type of policy
Pick the policy that works for you, with the right cover and at the right price
What alternatives are there to temporary car insurance?
Instead of taking out your own short-term car insurance, you could ask a friend or family member to add you to their car insurance as a named driver.
Their insurer might change the price of their premiums, or ask them to pay an administration fee.
You could also get short term insurance for other vehicles:
Short-term van cover
Whether you're borrowing a friend's van to move to a new house or using it for work, you can get temporary insurance for vans.
More about temporary van cover >
Short-term motorbike cover
You can get temporary cover for motorbikes too. For just a day, a week or up to a few months.
Frequently asked questions
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How long can I insure a vehicle with temporary insurance?
Your temporary car insurance could last for as little as one hour, or for as long as 24 weeks, depending on the provider.
You’ll choose how long to be covered for when you get quotes.
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Can I travel to Europe on a temporary policy?
If you’re going to take a trip to Europe, your normal annual car insurance should cover you, but sometimes it’s at the minimum level of third-party only, even if you have a comprehensive policy in the UK.
That means you’d have to pay for your damages and the costs of transporting the car back home for repairs if you were involved in an accident abroad.
If your insurer can’t extend comprehensive cover to driving in Europe, you could take out a temporary European car insurance policy instead to give you comprehensive cover just for the time you’re abroad.
You might be able to add on cover for additional drivers and breakdown cover too, for a fee.
To get quotes and buy a policy, have the car’s registration number to hand, plus your driving licence and passport details.
If you claim on your short-term European policy, it’ll have no impact on any other separate policy you have at home.
It’s a good option if you’re on holiday and driving a friend’s car just for the day.
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Do I need temporary cover for a hire vehicle?
No – insurance will be included by the hire firm when you hire a car, but there’s usually a high excess, which you’ll have to pay if you’re in an accident.
Short-term car insurance could give you the option of borrowing a car instead of hiring one and paying for temporary insurance instead of the hire fee.
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What are the exclusions?
There are a few things that short-term car insurance won’t cover:
- Damage to, or theft of, the vehicle because the keys were left in the ignition
- Losses caused by the car being driven by someone not named on the policy
- Using the vehicle for purposes that are forbidden by the policy terms and conditions – for example, business use
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Can I get temporary cover as a returning UK resident?
For expats returning to the UK for short visits, temporary car insurance is a quick and easy way to get cover.
You might have to meet some criteria – some providers ask that you’ve previously lived in the UK for 36 months and have a permanent address abroad, while others will cap the age of the driver they’re willing to insure.
You’ll need to have the details of your driving licence and usually it must be a full UK, EU, NI or EEC licence to get cover.
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How old do I have to be to get temporary car insurance?
Some insurers will have a minimum age restriction – for example, over 19 and having held a full UK or EU driving licence for at least a year.
Age restrictions differ between insurers and some have an upper age restriction too – 75 is typical.
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Is temporary cover cheaper than an annual policy?
It can be cheaper to take out temporary car insurance than to pay admin fees to make changes to your existing policy.
It’s likely an annual insurance policy would cost less per day, so if you need to get insured for weeks or months, make sure you compare costs.
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Can I drive a vehicle without insurance if I've just bought it?
No. Driving without insurance is illegal.
You could take out short-term car insurance to drive a car you’ve just bought home.
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Can I tax a vehicle using temporary insurance?
Yes – and you need to have car insurance to tax it. Your insurance will be checked when you buy your car tax online.
If you’re buying a new car it’s possible to take out temporary car insurance (even just for a day), tax it so you can drive it home, then sort out an annual car insurance policy when you have more time to compare.
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Can new drivers get cover?
Yes, but some insurers will have minimum limits for age or how long you’ve held your full driving licence.
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Can I use temporary insurance for business use?
There are short term insurance policies available that include business use. You’ll be asked how you’ll be using the car when you get a quote, so make sure you declare that you’ll be using it for business.
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When is temporary cover not suitable?
Temporary car insurance is most suitable for covering just a few days or weeks of driving. Any longer than that and an annual policy might be cheaper and more practical.
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What happens if I have an accident with temporary cover?
You need to tell the insurer as soon as you can.
The claims process will be the same for any other car insurance policy and you’ll need to pay your excess to get started.
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Am I covered to drive someone else’s vehicle?
Short-term car insurance is a useful option to get covered to drive someone else’s car.
You’ll need their permission and you can only drive the vehicle named in your policy.
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Can I add another person to my policy?
Temporary car insurance policies usually only cover one driver.
Several additional drivers can be added to standard car insurance, so that might be a better option for multiple drivers.
All you need to know
Page last reviewed: 15 March 2021
Next review due: 15 June 2021
[1]We do not offer a full comparison service on short-term car insurance at Gocompare.com but instead have provided links to some companies that offer short-term car insurance. These companies are not listed in an order that indicates that one is better than another but are instead ordered in line with our commercial arrangement with each one. Please remember, as different companies offer different policies, it is up to you to choose the one that best suits your needs. Gocompare.com introduces you to Cuvva, Dayinsure.com Ltd, Tempcover and Collingwood to provide short-term car insurance quotes. All providers are authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Dayinsure.com Ltd, Cuvva, Tempcover and Collingwood is limited to that of a business partnership, no common ownership or control rights exist between us.