Short-term car insurance

We don't offer short-term car insurance comparison - here are some companies[1] offering quotes[2]

  • Cuvva offers short-term insurance from as little as one hour up to 28 days instantly via our app for drivers aged between 19-65. It only takes a few minutes to signup and then only seconds to get comprehensively insured. We guarantee a two-minute enquiry response between 6am-midnight, 7 days a week. Get cuvva'd now!

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  • Dayinsure, which is backed by Aviva, offers comprehensive short-term car insurance cover for those aged 19-75 that enables them to drive a UK-registered car on UK roads, with options available for driving in Europe.

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  • Tempcover compares flexible and comprehensive short-term car insurance policies from well-known UK insurers, for 18-75 year olds (17 for learners). Policies from one to 28 days with cover available for an additional driver and impounded cars. There are flexible payment options including PayPal, with documents delivered to your email address.

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  • Collingwood Insurance Services UK Ltd offers short-term learner driver insurance for drivers aged 17-65, starting from 7 days to 24 weeks, with the ability to select the cover type. This cover is for provisional licence holders learning to drive in their vehicle or in someone else's car. With over ten years’ experience in offering learner driver cover, Collingwood has one of the best ratings on Trustpilot (9.7/10) and the winners of the DIA Best Learner/Young Driver Insurance Provider two years running.

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What’s short-term car insurance?

Short-term car insurance will cover you for a limited time - just days or weeks - and some policies will give you instant cover.

It can be cheaper to take out temporary car insurance than to make changes to your existing policy, for example, to add a car you only need to drive for a day or two.

If you need to make a claim on short-term car insurance, it won’t affect your no-claims bonus.

You can also add extra cover, like driving in Europe, for an extra charge. Just make sure you check what cover you’ll have, as it might only be the minimum level - third-party only.

How to get short-term car insurance

To get a quote you’ll need:

  1. Details about you:

    Your name, address and date of birth 

  2. Your driving history:

    And licence information too

  3. Information about the car you want to cover:

    Its make and model, for example

  4. Policy duration:

    When you want cover to start and end 

You told us that the cost of insurance was your second biggest car-related worry.[3]
Would you be better off with short-term or annual cover?

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When short-term cover could suit you better

Temporary car insurance might work out cheaper, or more convenient, than a standard annual policy if you're:

  1. A young driver

    If you’ve got access to a friend or family member’s vehicle, you might just want to drive it when you’re home from university

  2. Hiring or borrowing a vehicle

    Don’t waste money by taking out a car insurance policy for longer than you need

  3. Learning to drive

    You might only be able to take occasional lessons, so short-term cover could be handy

  4. Collecting or delivering a vehicle

    You may be able to get temporary car insurance for a day or so, to cover the short trip

  5. Test driving or buying a new car

    Buying from a private seller? Take your potential new car out for a spin or drive it home when the deal’s done

  6. Driving a courtesy car

    If your car is in for service or repair and you’re offered a courtesy car it’ll need cover

  7. Drive sharing

    Split driving duties with friends and family on a long journey

  8. Occasionally driving

    If you’ve got a classic or sports vehicle you rarely drive, you can insure it just for the weekend

  9. Emergencies

    Short-term car insurance can help you get covered quickly so you can get on the road when you need to borrow a car in a hurry

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It’s compulsory to keep your car insured at all times, unless you keep it of the road and have a Statutory Off Road Notification (SORN)

How does short-term car insurance work?

Temporary policies are generally comprehensive, but there are third party, fire and theft options available.

Temporary cover can range from one to 28 days.

It’s not a replacement for an annual insurance policy. Insurers have restrictions on the number of policies that you can take out in any rolling 12-month period.

The insurer might apply this as a maximum number of occasions or a maximum number of days.

It’s possible to take out short-term insurance alongside your regular car insurance policy. Useful if, for example, you have a classic car that you only drive at the weekends.

What are the restrictions for temporary car insurance?

Each insurer will have its own set of restrictions.

Insurers might insist that drivers are over 19 and have held a full UK or EU driving licence for at least a year.

Age restrictions differ between insurers and many have an upper age restriction too - 75 is typical.

You also can’t tax your car with a short-term policy. Neither the DVLA nor the Post Office will accept short-term certificates.

Frequently asked questions

  • What are the exclusions?

    Typical exclusions include:

    • Damage to, or theft of, the vehicle because the keys were left in the ignition
    • The car being driven by someone not named as a driver on the certificate of insurance
    • A certain type of vehicle that’s not covered by the policy
    • Using the vehicle for a purpose that’s excluded in the policy’s terms and conditions

    It might also be difficult to get temporary car insurance if you have previous motoring convictions or points on your licence.

  • What affects the price of my short-term policy?

    Insurers consider your age, address, driving experience, driving history and the vehicle you want to insure when calculating the cost of cover.

  • Are there alternatives to temporary car insurance?

    Becoming a named driver on another policy is an alternative to short-term car insurance and you can also look into arranging cover to drive other vehicles.

    If you're hiring a car, remember to check whether insurance is included as part of the hire deal.

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All you need to know

[1]We do not offer a full comparison service on short-term car insurance at 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. introduces you to Cuvva, Ltd, Tempcover and Collingwood to provide short-term car insurance quotes. All providers are authorised and regulated by the Financial Conduct Authority.’s relationship with Ltd, Cuvva, Tempcover and Collingwood is limited to that of a business partnership, no common ownership or control rights exist between us.

[2] introduces you to Cuvva, Ltd, Tempcover and Collingwood to provide short-term car insurance quotes. All providers are authorised and regulated by the Financial Conduct Authority.’s relationship with Ltd, Cuvva, Tempcover and Collingwood is limited to that of a business partnership, no common ownership or control rights exist between us

[3]On 30 January 2019, Bilendi conducted an online survey among 2,000 randomly selected British adults who are Maximiles UK panellists

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