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    Compare Temporary & Short Term Car Insurance

    • Comprehensive Cover from 1-28 Days
    • Five Simple Questions for a Quote
    • For Drivers Aged 19-75
    • Short Term Learner Drivers Cover for 17yrs+
    • Instant Online Cover

    INSURANCE QUOTESCrapo car insurance

    Do you want to make sure you are getting the best value temporary car insurance cover? To save you time trawling around different short term insurance websites, we have gathered a selection of the best options available for you to compare.

    With a selection of temporary car or van insurance alternatives laid out in front of you, including, policy details and levels of cover you can select your preferred option and proceed to that independent Website to purchase cover.

    Our temporary car and van insurance products have their own independent websites and are backed by different insurance companies. We Search – You Save!

    • Breakdown Cover
    • Courtesy Car Cover
    • Drive Away Insurance
    • European Cover
    • Excess Protection
    • UK/EU/EEA/Commonwealth Licences
    • Temporary Car Insurance
    • Temporary Van Insurance
    • Impounded Vehicle Insurance
    • Temporary Learner Driver Cover
    • Test Drive Cover
    • Additional Driver Cover
    • Motorist Uninsured Loss Recovery

    Why Would I Need Short Term Car Insurance?

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    There are many reasons when short term car insurance will be more beneficial to an annual policy;

    (i) You may need to insure your car for an extra month at the end of your annual policy, for example, this could work out well if you were selling your car or getting rid of it - this can work out as a much more efficient way of keeping the car insured short term, rather than cancelling an annual policy which involves cancellation costs.

    (ii) You may need to insure an additional driver for a short period, say for a mini-break. Online short term car insurance cover can do this quickly and efficiently for you, rather than going through the process of trying to add the driver to your main annual insurance policy. Our temporary cover is Comprehensive, so you can relax knowing that the driver is properly insured.

    (iii) The 'Driving Other Cars' extension offers limited cover. Some people have a 'Driving Other Cars' extension on their own insurance policy. This covers the policyholder only; and not any additional named drivers. Should you be involved in an accident, the 'Driving Other Cars' extension would not cover you for any damage to your friend's car – only the 'third party' involved. In contrast, if a short term insurance policy was taken out, this cover is comprehensive, meaning the vehicle would be covered, even in the event of a fault accident.

    Compare Temporary & Short Term Car & Van Policies

    So now you know all the benefits available with short term policies - how do you find out which are the best policies and the most competitively priced. Sky Insurance Compare have brought a selection of the best policies in the temporary car insurance market and after entering just a few relevant bits of information, we will offer you a list of results from those policies. From there, it's your choice to select the best option - and you can link through to the Website of the individual short term product that most suits your requirements. It's as simple as that!

    And to make the process as straight forward as possible, we only require the minimal amount of information from you - and no personal information - to compare the quotes. The whole process of comparing the quotes should take roughly a minute.

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    One Day to One Month Car Insurance

    We aim to take the hassle out of searching and can help you arrange a policy whether you’re looking for one day car insurance, or a longer period, with cover available for up to 28 days. Temporary cover can help with the following:

    • Temporary Additional Driver to allow friends or family to drive your car or van
    • Short Term Insurance for an additional car or van
    • Courtesy Car Cover for when your car is in for a service or repair
    • Test Drive Cover - for a car or van you are looking to buy
    • Drive Away Cover - for a newly purchased vehicle

    The selection of policies available in our comparison site will give you an excellent overview – you can then select your choice and proceed from there.

    Short Term Van Insurance

    There are a number of reasons why you might need to insure a van for a single day or a week. Our comparison site has a selection of insurers offering temporary van insurance cover from 1-28 days.

    This can be very helpful for when you are moving home or need to borrow a larger vehicle for a short period.

    UK/ EU/ EEA/ Commonwealth Licences

    We have policies that can offer cover for drivers with a full UK, EU, EEA or certain Commonwealth licences - held for the past 12 months. Check with each individual insurer's Website for further details.

    Temporary Insurance for Learner or Provisional Drivers

    Learner Drivers often like to gain some extra practice in a parent’s or friend’s car in addition to taking driving lessons with an DVSA approved instructor – or sometimes have all their lessons with a parent. With the average learning period of several months, it works out more efficient to purchase short term learner drivers insurance as a separate policy. Not only is it cost efficient – it also prevents any accidents affecting the bonus of the main policy held by the car owner. With this type of cover, it is imperative that the car is already insured by the owner and that policy is running for the full period of the temporary learner cover; as this is purely ‘top-up’ cover.

    Additional Driver Cover

    Sometimes, you may need to insure more than one temporary additional driver for the period of cover. Our comparison site has options available for this situation.

    Impounded Vehicle Insurance

    We are now able to offer you a solution in retrieving a seized car or van under S165A of the Road Traffic Act from a police pound providing immediate 30 day third party insurance. Instant cover is available for the legal owner of the vehicle and an additional driver aged 21 - 75 with a full UK, EU, EEA or Swiss driving licence for 12 months or more. Click here to get a quote

    European Cover

    If you are looking to extend your temporary comprehensive insurance cover whilst driving within the European Union, our comparison site has insurance policies that can provide you with this extra cover. The vehicle must normally be based in the UK and have valid Road Tax throughout the journey. Your trip must be of a 'temporary' nature and it has to start and end in the UK. The European Cover extension involves an additional premium payable from the standard basic cover.

    Full details of the specific terms for European Cover offered are detailed on each individual Website if the option is available.

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    Courtesy Car Cover

    If a garage supplies you with a courtesy vehicle, but without providing the insurance cover, some of our products will be able to cover this for you. See individual product websites for confirmation.

    Drive Away Cover

    Sometimes, when purchasing a new vehicle, you may need to arrange instant temporary insurance in order to drive home – this Drive Away cover can be purchased online using a PC, Tablet or Smartphone. This short term cover can be helpful to cover the gap between buying the vehicle and getting insurance arranged on a more permanent basis.

    Test Driving A Car?

    If you are buying a car, you may wish to Test Drive this first. We realise that most people would like test drive insurance at short notice that can be arranged quickly – without the need for complicated forms – but still providing Comprehensive cover. Short Term Car insurance is the answer and can be purchased in minutes.

    Excess Protect

    Cover for the reimbursement of the policy excess you have paid when you have made a claim on your motor insurance policy and whilst driving in the UK only.

    This is an optional Add-on product for both cars and vans and can only be purchased at the same time as the actual motor insurance policy.

    Full details of the specific terms and conditions for Excess Protect insurance are detailed on each individual Website where cover is available.

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    Motor Breakdown Service

    Your vehicle will be covered for call-out charges and up to 1 hour's labour at the scene of your breakdown where your vehicle is rendered immobilised due to electrical or mechanical faults within the United Kingdom including Northern Ireland, the Isle of Man and the Channel Islands and Scottish Islands.

    Motor Uninsured Loss Recovery Service

    Expert advice & help will be available in the event of a non-fault accident and you have an uninsured loss to claim back from the third party. See the individual Website of the selected product for further details. Below are some of the items that would be covered under this;

    • Loss of Use
    • Personal Injury Compensation
    • Replacement Vehicle Costs
    • Loss of Earnings
    • Vehicle Repair Costs
    • Out of Pocket Expenses
    • Damage to Personal Effects

    Remember, the success of any claim is dependent on proving the third party was at fault.

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    Below are some of the questions often asked by customers. We hope the answers will be helpful to you

    Q.1 How can I pay – annually or in interest-free monthly instalments?
    Q.2 What are hidden admin fees?
    Q.3 Will I have to pay any additional charges or fees once I have paid the premium?
    Q.4 Who is eligible for Age UK Car Insurance and can younger drivers be included on the policy?
    Q.5 What is 'No Claims Discount'?
    Q.6 Can I protect my 'No Claims Discount'?
    Q.7 What do I do if I have an accident?
    Q.8 Will I get a courtesy car during repairs?
    Q.9 Are the repairs guaranteed?
    Q.10 Is Motor legal protection cover available?
    Q.11 Is Motor Breakdown cover available?
    Q.12 What if I change my mind?

    Q.1 How can I pay – annually or in interest-free monthly instalments?

    A. You can pay in full by credit or debit card, by cash, cheque or postal order, or pay monthly at no extra cost (0% APR Representative).

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    Q.2 What are 'hidden admin fees'?

    A. 'Hidden admin fees' can include adjustment fees, cancellation fees and duplicate document fees. Some companies also charge interest (APR) for paying monthly. On top of this, some may charge a 'Direct Debit fee' for monthly payments. Age UK Car Insurance does not charge any hidden admin fees. Age UK Car Insurance allows you to pay monthly at no extra cost (0% APR Representative). There are also no fees for policy amendments, cancelling your policy or getting duplicate copies of your policy documents.

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    Q.3 Will I have to pay any additional charges or fees once I have paid the premium?

    A. There are no hidden admin fees. This policy will not make you pay an additional administration fee when you make a change to your policy. Things like requesting a duplicate motor insurance certificate are free. An additional premium will only be requested if your change affects the premium required for the risk (an example of this would be 'adding an additional driver'). Where this is less than £10, a request for additional payment will not be made nor a refund issued.

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    Q.4 Who is eligible for Age UK Car Insurance and can young drivers be included on the policy?

    A. Although this insurance is designed with the over 50s in mind, there is no age restriction to apply.

    Younger named drivers can be included on the policy, subject to acceptance by the insurer.

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    Q.5 What is 'No-Claims Discount'?

    A. This is a discount on your car insurance premium. You can receive this if you have not made any claims against your policy, or if you have made a claim and your insurer has made a full recovery of costs from the Third Party. This discount grows with time based on the number of years you have been claims free.

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    Q.6 Can I protect my 'No-Claims Discount'?

    A. You will be automatically be given Protected No Claims Discount if you have at least four years No Claim Discount or have not made more than 1 fault claim in the past 3 years. No Claims Discount Protection allows you to have up to two claims in three years without affecting your No Claims Discount. It does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault. Other factors can also increase the price of your policy.

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    Q.7 What do I do if I have an accident?

    A. Simply call the accident helpline on 0345 601 6687 or +44 2380 621983 if calling from abroad, it is open 24 hours, 365 days a year. Friendly staff will do all they can to help you avoid any further stress or worry.

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    Q.8 Will I get a courtesy car during repairs?

    A. Yes. As long as you have comprehensive cover, the insurer Ageas Insurance Limited, will provide a courtesy car in the event of an accident or when recovered damaged following a theft, whilst repairs are being carried out by an approved Ageas repairer. A courtesy car will also be provided for up to 14 days should your car be stolen or written off.

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    Q.9 Are the repairs guaranteed?

    A. All repairs are guaranteed for up to three years, provided that they are carried out by one of the insurer's approved repairers.

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    Q.10 Is Motor legal protection cover available?

    A. Yes, you can take Motor legal protection cover that includes a 24/7 legal helpline for an extra cost. This covers you for legal costs to pursue compensation for personal injury when you are not at fault or to defend a motoring prosecution brought against you. You can also obtain legal advice and assistance (with costs up to £100,000) to pursue your claim for uninsured losses. This might include your policy excess, loss of earnings, car hire changes or additional travel expenses.

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    Q.11 Is Motor Breakdown cover available?

    A. Yes, you can add Motor Breakdown cover for an extra cost or your can buy this separately. This cover is provided by Intana Assistance. You'll be covered for roadside assistance, vehicle recovery, and you're even covered at home if your car won't start.

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    Q.12 What if I change my mind?

    A. If you are not satisfied with your policy you can cancel at any time by telephoning or writing to Age UK Insurance. You will only be charged for the time you have been on cover unless a claim has been made. If a claim has been made you will need to pay the full annual premium.

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    Getting the right cover is the most important thing, and then you should look for the cheapest policy.

    Choose the right level of cover

    There are three levels of car insurance cover you can choose from in the UK:

    • Fully Comprehensive
    • Third party, fire and theft
    • Third party cover only

    Here is what each level protects you against, and how to choose which is right for you.

    What car insurance cover should you get?

    Find the best policy for you

    There are several different types of motor insurance policy, and choosing the right one could save you money.

    • Standard car insurance: Here is what a standard car insurance policy with cover.
    • Multi car insurance: Insuring two or more cars on one policy could mean cheaper cover; find out how it can save you money here.
    • Black box insurance: You can save by having your driving monitored through a black box policy; here is how it works.

    Should you add extras?

    You can customise your policy and extend your cover by adding extra benefits. These include:

    • Legal cover - here is how to work out if you need it
    • Breakdown cover
    • Cover for lost or stolen keys
    • No claims protection
    • Cover for driving abroad

    Here is a full list of the car insurance extras that could be worth adding to your policy.

    Check your policy to see if any of these are included as standard, and if not, consider whether it is worth the additional cost to add them.

    Which car insurance extras are worth having?

    How to get quotes from our comparison

    You can get quotes from our website via the aggregator from our panel of insurers. Make sure you also compare separate policies in our table to make sure you get the best deal.

    It can be a quick and easy way to find cheap policies, but be careful not to buy car insurance on price alone:

    Pros and cons of comparison sites

    • Get lots of quotes quickly
    • Quotes shown in price order
    • Only one form to complete
    • Not all insurers are on them
    • Can be cheaper if you go direct
    • Multi car policies not shown

    Car insurance FAQs


    Can I drive a car without insurance?


    No, it is a legal requirement to have at least third party car insurance cover to drive in the UK.


    How can I get cheaper car insurance?


    There are several things you can do to get cheaper cover. Try these 10 easy ways to cut your car insurance costs.


    What does car insurance cover?


    It can cover damage to your and another driver's car after an accident. It can also cover theft, vandalism and fire.


    Is it cheaper to pay annually or monthly?


    Paying annually in one go will usually work out cheaper because you will be charged interest of up to 30% when you pay monthly.


    Should I let my policy automatically renew?


    No, your current provider will not usually offer the cheapest deal so shop around and find a new policy instead of renewing.


    Can I get insurance for an imported car?


    Yes, you can use our quote service to find cheap cover for your imported car. You can select whether your car is a grey or parallel import.


    Can I check if a car is already insured?


    Yes, you can check if a car has a valid insurance policy in place through the Motor Insurance Database (MID).


    How long does car insurance last?


    Most car insurance policies last one year, but you can cancel your cover for a fee. You can get short term cover for between one day and three months.


    Can I drive other cars?


    If you have a fully comprehensive policy you might be covered to drive other people's cars, but some polices do not allow this.


    Can I switch my policy to another car?


    Yes, if you buy a new car you will need to tell your insurer so they can update your policy. The cost of your cover will probably change.

    About our car insurance comparison


    Who do we include in this comparison?


    We include every insurer that offers comprehensive and third party, fire and theft car insurance policies in the UK. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.


    How do we make money from our comparison?


    We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

    You do not pay any extra and the deal you get is not affected.


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