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Temporary car insurance uk cost

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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 QUOTESTemporary car insurance 19082

    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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    Last Updated: 29/03/2017

    What is temporary car insurance?

    Whether you’re moving house or just borrowing a friend’s car, temporary car insurance is the flexible and affordable way to get covered. It’s the simple and straightforward answer when you need to drive someone else’s vehicle. Short term insurance is available from 1-28 days and is quick and easy to arrange.

    You can get an online quote in minutes and whether you need cover to start in a month or 5 minutes, the process is always quick and easy.

    If you only need insurance for a short period of time, having temporary cover means you don’t have to spend time and money buying an annual policy when you don’t need a years’ worth of insurance. Short term car insurance lets you pay for the cover you actually need.

    It offers comprehensive cover as standard for between 1-28 days but if you’re still not sure if it’s right for you, here are just a few of the many reasons for choosing short term insurance…

    When would I need temporary car insurance?

    Emergency / short term cover

    With cover available for as little as one day, a short term policy is the best option in an emergency. Whatever the circumstances, if you need to drive a vehicle at short notice, getting immediate cover is incredibly helpful.

    One day insurance can also be useful for a range of non-emergencies as well. You could be picking up your new car or just borrowing one from a friend. Whatever the circumstances, you need to be properly insured to drive another car.

    One day car insurance covers you drive the vehicle anytime you need while still protecting the vehicle owner and their car.

    Learner drivers

    Most young people want to get behind the wheel the day they turn 17, but learning to drive can be expensive. One way to reduce the cost is to have private lessons with friends or family.

    Many drivers are reluctant to allow a learner to practice in their car but with our learner's insurance you get piece of mind as we cover it all:

    • The learner
    • The vehicle
    • The vehicle owners’ insurance policy
    • The vehicle owners’ no claims discount

    You can purchase short term learner drivers insurance that’s specifically designed to fit the needs of learners. Cover’s available for up to 3 months and lets you get that crucial practice you need, without affecting the car owners’ insurance premiums.

    Borrowing a car

    More and more annual insurance providers are removing the ‘drive other cars’ clause from their policies. This means that you could be driving illegally when you get behind the wheel of a friend or family members car.

    Rather than risk penalty points and an unlimited fine, get a temp policy which means you’re legally entitled to use the vehicle for the duration you want. Not only do you get the peace of mind that you’re properly insured but because it’s a separate policy, the vehicle owner won’t lose their no claims discount if you have accident.

    Not only will you be protecting the no claims discount of the person you’re borrowing from but it also means they don’t have to adjust their existing insurance to add you as a name driver. Having to make a change to the policy could see them hit with expensive admin fees and it could also increase their premium.

    It’s quick and easy to get a policy and cover can be arranged in just minutes. Save time and money with a short term policy and relax knowing that everyone is covered.

    Driving holidays

    If you’re planning the road trip of lifetime or just heading to the countryside, you’ll want to be sure you’re covered for all eventualities. Whether you’re driving at home or in the EU, short term car insurance offers comprehensive cover and a range of affordable optional extras including roadside breakdown assistance from the AA.

    If you’re one of many people who like to share the driver’s seat during long holiday journeys, you can even add a second named driver to the policy. This can be a real life saver in emergencies or when the main driver gets too tired to continue.

    Why choose temporary car insurance?

    Our lives are often unpredictable but with temporary car insurance, you get flexible and reliable cover for many everyday tasks. From one day jobs like borrowing a car to a month long driving holiday, it’s the easiest way to get comprehensive cover on a short term basis.

    By buying short term car insurance, you don’t have to worry about affecting any existing insurance you might have. Not only will it save you the time and effort it takes to adjust your annual insurance but because your no claims discounts are protected, you could also save yourself money in the future.

    Without the constraints of an annual policy, you’re able to get cover as and when you need it. This means you're insured for the things you’ve planned for and even the things you haven't.

    Who we cover

    Temporary car insurance can be incredibly useful for a wide range of reasons and usually cover is available to most drivers. You can expect to be insured if you are:

    • Aged between 17 and 75 years old.
    • The holder of a UK driving licence, EU driving licence and a UK provisional driving licence.
    • A driver with penalty points - time limits and certain restrictions do apply.
    • Looking to insure a vehicle valued at a minimum of £500. The maximum claim for a vehicle is capped at between £40,000 and £65,000 depending on the insurer chosen.
    • Wanting to add an additional driver to the policy.

    While a short term insurance policy is suitable for a large number of situations, there are unfortunately some occasions when we won’t be able to offer you cover. We can’t offer you temporary car insurance in the following circumstances:

    • No car modifications allowed (except for those designed to aid disabled drivers)
    • Left-hand drive cars (we do insure left-hand drive motorhomes)
    • Cars with more than 8 seats in total
    • Cars that have been hired and/or used for taxi, courier or home delivery

    Start a quick and easy quote now and get temporary insurance in minutes.


    Key points

    • Cover typically available for between one and 28 days
    • There'll be restrictions on how many policies you can take out in a 12-month period
    • You can't tax a car with a short-term policy

    Short term motor insurance will provide cover on a vehicle for a temporary period of time.

    It'll depend on your insurer as to what vehicles you're able to cover, but it's usually available for cars, vans and, in some cases, motorhomes and motorbikes.

    What is short term insurance useful for?

    Short term insurance can be useful in a variety of situations.

    The convenience and cost of this type of cover could potentially be cheaper than making a change to an existing annual policy and, if you need to make a claim on it, it shouldn't affect your existing no claims bonus.

    There's also the option to add extra cover - perhaps driving in Europe - for an additional charge, although you should remember that this may only offer the minimum level of cover.

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    You may want to consider short term insurance if you're:

    • Hiring or borrowing a vehicle
    • Collecting or delivering a vehicle
    • Driving a vehicle that you've just bought off the dealership forecourt
    • Test driving a car
    • Driving a dealer's courtesy car whilst yours is being serviced or repaired
    • Sharing a long drive with a friend
    • Using a classic or sports vehicle as a second car that you rarely drive
    • A young driver who sometimes uses a family member's car
    • In need of a vehicle for an emergency

    How short term motor insurance works

    Cover is typically comprehensive but there are third party, fire and theft options available.

    Need more information?

    • FAQs on car insurance
    • Car insurance guides

    Generally cover can range from a minimum of one day to a maximum of 28 days.

    Remember that it's not a replacement for an annual insurance policy, so insurers will apply restrictions as to the number of policies that you can take out in any rolling 12-month period.

    This could be expressed by the insurer as a maximum number of occasions or a maximum number of days.

    However, it's possible to take out a short term insurance policy alongside your annual car insurance policy if necessary, for example if you have a car that you only drive on weekends.


    Insurers will impose certain restrictions on their policies to help reduce the risk of claims.

    For example, insurers will typically insist that drivers must be over 19 and have held a full UK or EU driving licence for a minimum of a year.Star outfit sainsbury's car insurance

    Minimum age restrictions will differ from insurer to insurer and many will have a maximum age restriction, too - 75 would be typical.

    Taxing a car

    You can't tax a car if it's only insured with a short-term policy.

    Neither the DVLA nor the Post Office will accept short-term certificates for road fund licence purposes.

    What are the exclusions?

    Each insurer will have their own set of exclusions which they'll be unwilling to insure. This may typically include:

    • Damage to, or theft of, the vehicle as a result of the ignition keys being left in it
    • The vehicle being driven by any person not listed on the certificate of insurance as entitled to drive
    • Different insurers will focus more on different factors which means that premiums will vary, so shop around
    • The vehicle being used for a purpose for which cover isn't included

    Factors affecting premium

    As with an annual insurance policy, insurers will take into account a whole range of different factors when calculating your premium.

    These will include your age, your address, how long you've been driving for, your driving history and the vehicle you want to be insured for.

    Different insurers will focus more on different factors which means that premiums will vary, so shop around to find the right policy at the right price.

    Alternatives to temporary car insurance

    As possible alternatives to taking out a temporary car insurance policy, our guides can help you weigh up the pros and cons of becoming a named driver on another policy and of arranging cover for other vehicles.

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

    By Abbie Laughton-Coles



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