Need to borrow a friend or family members car? Just bought a car and need to drive home?
Cheap temporary insurance cover
1 hour to 60 days
Quick quotes & instant cover
Flexible car insurance that covers you from one hour to one month – temporary car insurance is short-term car insurance on a vehicle, with no long-term commitment and no impact on the vehicle owners No Claims Bonus. It’s designed to be cheaper, quick and simple and is suited to drivers who need to borrow a car or van, share driving responsibilities, or need instant, emergency car insurance.
There are two types of temporary car insurance: temporary cover for your own car or cover on somebody else’s car – allowing you to share the car. If you’re sharing a car, the car needs to have an annual insurance policy in place.
Just want to borrow mum's car to pop to IKEA? Get 1 hour car insurance cover.
Day trip! Get where public transport can't with daily car insurance on a friend, colleague or family member's car.
Buying a new car, but don't want to commit to long-term insurance right away? Give yourself time to find the best deals by taking out temporary car insurance for a week.
Get insured for a full month and call dibs on dad's car when it's free. Our rolling monthly subscription car insurance allows you to pay as you go and get insured for as long as you need.
Our cheap temporary insurance options can cover you from 1 hour to 60 days.
Run through our speedy quote process and start driving as soon as you've paid, that's quick!
Get a quick quote and instant cover by running through our speedy quote process:
Tell us the vehicle’s registration and who owns it
Give us your information, including your driving licence number so we can tailor your quote
Get a quote, pay online and get on the road straight away
The cost of temporary car insurance varies depending on the length of time you want cover for:
Other factors can also influence the cost of your temporary car insurance, such as:
The type of car you’ll be driving also affects the price of your cover. If your car is safe, has a small engine and is in a lower insurance group, then getting insured is likely to be cheaper. You can find out more about which cars are cheaper to insure here.
The amount of car insurance excess you agree to pay on your policy will also affect the price. It’s very important not to set your excess higher than what you could afford to pay if you had to make a claim.
Another impact point on how much car insurance costs is whether you’ve had an accident or had to make a claim, this is likely to push up your car insurance cost – even if it wasn’t your fault.
For a more accurate quote you’ll have to enter a few more details. We’ll need to know things like what kind of licence you hold, your postcode, and car details. It’s a quick process designed to get you insured quickly.
Prices based on the average price 139,226 customers paid for the displayed duration (June 2023).
Prices based on the average price 41,212 customers paid for the displayed duration (June 2023).
To apply for short-term car insurance, both you and your car need to check a few boxes.
You must be aged between 17 and 75, and have a full, valid UK driving licence.
If you’re aged between 17 and 21, and it’s for your own car, you need to have clocked up at least 6 months on your licence.
You should have no more than 9 penalty points, and have no disqualifications on your licence in the last 18 months.
If you have had any fault claims or motoring convictions, this may affect your ability to get temporary cover.
You need to get the car owner’s permission, and agree to take responsibility for getting the right cover.
It needs to be less than 40 years old.
The car should be registered in the UK.
You can get cover for a lease car, but not for a hire or rental vehicle.
Flexible and available from one hour to one month – short-term car insurance can be super useful for a whole bunch of reasons – especially if you need cover at short notice, such as when you’re:
Borrowing a parent's car - If you only use your parent's car occasionally, temporary insurance could work out cheaper than being put on their policy.
Only driving at university, or during the holidays - if you only driver during university term time, a temporary car insurance policy may be perfect for you. Or, if you only drive at home in the holidays, short-term cover would be a smarter way to pay.
Sharing the driving duties - If you're road-tripping with friends, getting temporary cover for their car means you can help out. Also, the driver gets to choose the tunes 😉
Staying with friends - If you want to hang out with friends for a few days (or – better yet – weeks), having flexible, temporary car insurance allows you the ability to borrow their car when needed.
Moving house - If you’re moving home, and need to take a load of your things, temporary car insurance gives you the option of borrowing a friend's car or van - especially handy if you've got a lot of furniture.
Learning to drive - You may find short-term cover useful while learning to drive. But do compare it with our learner driver insurance to see which works best. A learner insurance policy can cover you for longer, for instance, and so may be more what you're looking for.
Buying a car - If you’re buying a new car, it may be too much hassle to get a long-term policy on the spot. Getting temporary insurance means you can get it home (known as drive-away insurance), and spend a bit more time shopping around for annual insurance.
Test driving a car - If you want to take a car for a spin – especially if you’re thinking of buying second-hand – you can get temporary cover for as little as 1 hour.
Help out in an emergency - If a friend or family member can’t use their car, you can get covered with temporary insurance and lend them a hand.
Getting your car repaired - If your car's getting fixed, getting temporary cover means you can borrow someone else's until it's back on the road.
Unfortunately, another driver or car can’t be added to your existing insurance policy, but you can buy a separate insurance policy for the other driver or car you wish to insure. When purchasing for another driver, they’ll need to continue as a new customer and create their own account with an alternative email address. Easy!
We’re really sorry, but we can’t provide cover if you don’t hold a GB licence (excluding Northern Ireland) or if your vehicle does not have a GB registration. Sorry we can’t help you further and I hope you find a suitable alternative.
We don’t currently offer insurance policy extensions, but you can take out more insurance online in next to no time. We save your details to make getting a quote even easier the second time around. Just log in, and you’re ready to roll! If you'd like to repurchase on the go, try downloading our app where you can repurchase your previous cover in just 5 taps!
Unfortunately, our insurance policies don't allow you to build your No Claims Bonus. However, our policies provide you with your own separate insurance for the car that you will be driving. This means that if you're borrowing someone else's car and have to make a claim, it won’t affect the car owner’s no-claims bonus. This also means they don’t need to declare it when renewing their insurance.
Our insurance policies only provide cover for driving for social, domestic and pleasure uses, as well as driving to and from one place of work. We do not cover business-related purposes which can include using your car to pick up or deliver business supplies or driving to visit clients.
The accidental damage excess on most temporary car insurance is set at £750. Some customers can choose a lower excess of £250 or £100, depending on the product and you and/or your car’s details. The excess for a windscreen claim can be found in your insurance policy schedule, within your account.
Actually, yes – you can. You can tax your vehicle with a temporary policy at the DVLA website. Or, if you want to go old-school, you can take your temporary insurance docs to the post office.