Fior Liza Camilo
Unlike standard car insurance policies that run for 12 months, temporary car insurance allows you to insure a car for a few hours, days, weeks or months. This can make it a more suitable choice if you need to borrow a car for a short time, or you only drive occasionally. Temporary car insurance could work out to be more cost-effective than annual cover.
Temporary car insurance can provide fully comprehensive cover for a few days to a few months.
Adding a learner driver to someone else’s policy can be expensive and put the policyholder’s no claim discount at risk.
Check what cover you are being offered. Temporary car insurance is usually fully comprehensive and therefore offers greater protection.
Most people learn to drive in a car owned by an approved driving instructor, but many will also choose to supplement their lessons with independent practice in a friend’s or family member’s car. Learner drivers will be automatically covered by their approved driving instructor’s insurance. But they will need to take out additional insurance, known as temporary learner driver insurance, or be added as a named driver if they want to use a friend or family member’s car.Read our full guide
Find out the best and cheapest first cars for new drivers. As well as initial cost you have to consider insurance, running costs, road tax, and repair costs.
What is SORN and how do you SORN a car. Find out how to make a statutory off road notification to declare your car as off the road.
Everything you need to know about car insurance excess. What are the differences between voluntary and compulsory excess, and which is right for you.
Everything you need to know about cancelling your car insurance policy, cancellation fees, no claims discount and the 14-day cooling off period.
We've answered common car insurance questions to help you understand what you need and to decide what car insurance is best for you.
If you want to borrow a friend or family member’s car or you’re only looking to drive a car as a one-off, temporary car insurance can be a good option.
You might find temporary car insurance useful in the following situations:
you are learning to drive in a family member’s or friend’s car
you are borrowing a parent’s car while home from university
you are using a courtesy car and you want more than third party cover
you are borrowing someone else’s car to help you move home
you’re borrowing a friend’s car while waiting for yours to be repaired
you’re driving your new car home and haven’t yet arranged annual car insurance
you only drive occasionally, for example if you own a classic car which you don’t use all the time.
To compare temporary car insurance and buy a policy you will need permission from the car owner. You will also need the following information:
the car’s registration number or details of the make and model
the owner’s details
details of your licence and driving history
personal details including your name and address.
Most short-term car insurance policies will include fully comprehensive cover as standard. However, some insurers may be able to offer third party or third party, fire and theft cover.
Comprehensive cover will normally include:
loss or damage caused by vandalism, theft or fire
damage to the car in an accident
accident recovery and repair
legal cover in case of death or injury to other people
legal cover for damage to other people's cars or property
Fully comprehensive cover means you have cover for any damage and theft of the car you are driving as well as for any damage you cause to a third-party, their vehicle or their property. This can provide peace of mind, particularly if you don’t own the car you’re driving.
Most short-term car insurance policies will allow you to bolt on additional cover for an extra cost. This could include:
European driving cover – third party cover might be included as standard, but you may prefer to pay extra for fully comprehensive cover
breakdown cover - useful if you are taking the car on a long trip
additional drivers – if you are sharing the car with other drivers, some insurers will let you add up to four additional drivers
Temporary car insurance policies usually offer short-term cover from 1 to 28 days, but some policies will insure you for up to 90 days.
Insurers that offer short-term car insurance will usually offer cover to drivers between the ages of 17 and 75. However, some providers will exclude those under 25 so it’s important to shop around for temporary car insurance to ensure you find the right deal.
Many insurers that offer temporary cover will require you to have held a full driving licence for at least six months. The more driving experience you have, however, the more quotes you’re likely to be able to choose from. That said, there are specialist providers out there offering temporary car insurance to those with less experience or different licence types, and other providers that cover learner drivers.
If you have points on your driving licence, previous motoring convictions or a history of several insurance claims, you might find it difficult, or more expensive, to get temporary insurance cover, but it’s worth shopping around as some providers will be happy to cover you.
Some insurers will allow you to take out short-term car insurance if you live abroad, but you may have to prove your permanent address and have previously resided in the UK. You may also find there are age restrictions and some insurers will require you to have held a driving licence for at least 12 months.
Most insurers also apply limitations on the value of the car and will usually cover drivers for cars worth up to £50,000.
Temporary car insurance can be an affordable alternative to hiring a car or being added as a named driver on another policy. However, the amount you pay will depend on factors such as:
how long you want to be covered
how much driving experience you have
the vehicle you want to insure.
If you’re thinking about taking out temporary cover to last a few weeks, it could be more cost-effective to take out an annual policy and then cancel it when you no longer need cover. You’ll need to pay a cancellation fee, however, so weigh up the cost of this against the cost of a temporary policy to see which works out cheaper.