Everything you need to know about Temporary Car Insurance in the UK

What is Temporary Car Insurance?

Temporary car insurance, also known as short term car insurance, is a type of insurance policy that provides cover for a predetermined amount of time. Typically this time period can range from one day up to 28 days, although some providers may offer longer durations. It’s a great option if you’re looking to borrow a car for a short period, or if you’re in the market for a new car and don’t want to commit to a long-term policy for an old model. It's also a great option for those who are waiting for their new insurance policy to start but need cover in the interim.

Who can get Temporary Car Insurance?

Most providers will offer temporary car insurance to drivers aged between 18 and 75, however, the exact age requirements will vary from provider to provider. You’ll also need to have held a full UK driving licence for at least 6 months and you may be asked to provide proof of no claims bonus if you have any. You’ll also need to make sure that you’re the registered keeper of the vehicle you’re insuring and it must have a valid MOT certificate.

What types of Temporary Car Insurance are available?

There are a variety of different temporary car insurance policies available, and the type of policy you choose will depend on your individual needs. The most popular types of policy include:

Single Day Cover: This type of policy will cover you for a single day, and is usually the cheapest option.
Weekly Cover: This type of policy will cover you for up to 7 days, and is ideal for short trips or test drives.
Monthly Cover: This type of policy will cover you for up to 28 days and is great for those who are looking to borrow a car for a short period.
Annual Cover: This type of policy will cover you for up to 12 months, and is ideal for those who are in the market for a new car and don’t want to commit to a long-term policy for an old model.

What does Temporary Car Insurance cover?

The level of cover you get with temporary car insurance will vary depending on the provider and the type of policy you choose. Generally speaking, you’ll be covered for third party, fire and theft as well as any damage caused to the vehicle you’re driving. You may also be covered for legal expenses and personal accident cover, so it’s always worth checking the terms and conditions of your policy. Some providers may also offer additional cover such as breakdown cover, windscreen cover and personal possessions cover.

Where can I get Temporary Car Insurance?

There are a number of providers who offer temporary car insurance in the UK, so it’s worth shopping around to find the best deal. It’s also worth checking comparison sites as they can often provide you with a range of quotes from different providers. When comparing quotes, make sure to check the terms and conditions of the policy to make sure you get the right level of cover for your needs.