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Compare temporary car insurance

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How does signing up for temporary car insurance work?

Select a car insurance provider

Look at what's included, as well as any age restrictions and maximum vehicle values that might apply

Enter a few details

Provide a brief account of who you are and your driving history

Apply for the policy

It takes just a few minutes to apply for and be confirmed in most cases

Author Ben Gallizzi Last updated May 31st 2023

What is temporary car insurance?

Temporary car insurance, also known as short-term cover, allows you to insure a car for a few hours, one day, weeks or months. This can make it a suitable alternative to standard car insurance policies that run for 12 months if you need to borrow a car for a short time or only drive occasionally. Temporary car insurance could work out to be more cost-effective than annual cover.

What do you get with temporary car insurance?

Maximum flexibility

Get car insurance that lasts for hours, days, weeks or months.

Comprehensive cover

Enjoy full cover with no risk to your no-claims bonus.

Instant protection

No matter how short-notice your needs are, you'll be covered as soon as you sign up.

Is temporary car insurance right for you?

Temporary car insurance could be right for you if you're:

  • Borrowing a family member or friend’s car - temporary car insurance can provide fully comprehensive cover for a few days to a few months

  • Learning to drive in a family member’s or friend’s car - adding a learner driver to someone else’s policy can be expensive and put the policyholder’s no claim discount at risk

  • Wanting more than third party cover in a courtesy car - temporary car insurance is usually fully comprehensive and therefore offers greater protection

  • Sharing the driving but don’t want to be added as a named driver - adding a named driver to another person’s car insurance policy for just a short period isn’t always cost-effective.

What's covered with temporary car insurance?

What's covered?

  • Instant cover

  • Comprehensive cover

  • Flexible cover

  • Cover up to 28 days in advance

  • No risk to your no-claims bonus

  • Cover to drive in Europe

What's not covered?

  • Driving cars other than the one on the policy

  • Additional drivers

  • Claims that happen outside the stated use of the car

  • Courtesy cars

  • Unattended vehicle

Is temporary car insurance not right for you?

Compare standard car insurance policies and other types of cover with Uswitch

bar chart of temporary car insurance sales per region in the UK

How many people in the UK use temporary car insurance?

Temporary car insurance is a big deal in the UK, with a current market of about 5.4 million UK drivers. Around 15% of consumers have bought a temporary car insurance policy within the past two years, showing the huge popularity of what often stacks up as a cheaper and more flexible option.

England has the most temporary car insurance policyholders, representing 87% of the overall temporary car insurance market in the UK. Drivers in the South are most likely to use temporary car insurance, with the region making up 14% of the UK market. It’s followed by the Outer London area, which represents 11%. The North West region (9%), which includes Liverpool and Manchester, is the next biggest hub for temporary car insurance followed by East Anglia, at just over 8%.

How much is temporary car insurance?

The cost of temporary car insurance depends on the driver, their license and the vehicle they are looking to insure. More specifically:

  • Driving history - if the driver who is looking to be insured has any previous convictions or claims this can impact the temporary car insurance quote.

  • Milage - keeping the milage down means the risk of an accident and need to make a claim is reduced, cutting the cost of the temporary car insurance quote.

  • Location - quotes are also dependant on the location of the driver and where they wish to be insured and keep the vehicle. If the vehicle is being kept in a safe location over night for example, this can help lower premiums.

  • Car insurance group - cars fall in to different groups, which are dependant make and model. The more expensive the car, the more expensive it will be to take out a temporary car insurance policy.

Temporary cover won't generally be cheaper than an annual policy on a day-by-day basis however can be better suited to the needs of the driver.

Temporary car insurance cost per hour, day and week

Updated 25 April 2023
Hourly car insurance costDaily car insurance costWeekly car insurance cost
1 Hour: £21.931 Day: £38.181 Week: £112.97
2 Hours: £25.692 Days: £60.891-2 Weeks: £155.27
3 Hours: £27.203 Days: £77.812-3 Weeks: £203.89
4 Hours: £30.114 Days: £86.623 weeks + : £272.52
5 Hours: £32.375 Days: £97.78
6 Hours: £32.406 Days: £103.91

Figures from Tempcover, accurate as of 25/04/2023.

Pie chart of temporary car insurance split by age groups

What is the average age of temporary car insurance users?

When it comes to the average age of temporary car insurance users, people aged 20-40 make up over 60% of temporary car insurance policyholders. Within this group, those aged 30-34 use temporary car insurance the most, representing over 18% of all temporary car insurance users. Only about 2% of temporary car insurance policyholders are in the 17-20 age group – younger drivers pay a lot more for car insurance in general so the higher cost deters use.

Many temporary car insurance deals are also only available to those aged 25 or above, but nearly 12% of users are 21-24. Those taking out temporary car insurance keeps increasing rapidly as you get nearer the 30-34 age group, rising to just under 18% for those aged 25-29. But temporary car insurance use falls steadily after the peak at 30-34. About 8% of temporary car insurance users are 45-49. Only 1.5% are in the 65-69 age bracket.

Leoni Moninskaquotation mark

Temporary car insurance policies are a great way to get instant, quick cover. You might be picking up your new car, tiding yourself over until you renew your annual policy, needing quick cover to move home, going on a road trip or planning to borrow a friend or family member’s vehicle. Hourly, daily and weekly policies are quick and easy to book, whatever you need them for.”

Leoni Moninska, Insurances Expert

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