Temporary Car Insurance

If you are seeking a car to borrow or take to work, securing temporary car insurance is the right choice. Securing temporary car insurance for short periods is a fast and straightforward process.

Temporary Car Insurance

Additionally, you can make use of it at your discretion, whether it’s an hour, a day, a week, or even up to a month. Lastly, it’s important to obtain a quote for temporary car insurance.

What is Temporary Car Insurance?

Temporary car insurance, also referred to as short-term car insurance, provides coverage for various events. Moreover, if you are borrowing a friend’s car or purchasing a new vehicle, you can secure insurance for some days, hours, weeks, or up to a month.

Moreover, this car insurance permits temporary drivers to operate your vehicle. Generally, temporary car insurance provides full coverage, which is the highest level of car insurance available.

This implies you could receive coverage for damages to the car you are driving, especially if an accident is caused by you.  Furthermore, you may cause harm to others or damage to their vehicles, as well as any injuries.

How Does It Work?

Temporary car insurance is available for various types of vehicles, including cars, vans, motorbikes, and motorhomes. Additionally, this coverage operates similarly to that of a regular car insurance policy, but to provide coverage for a limited duration.

These policies range from one to 28 days, while certain insurance plans may extend coverage for up to 90 days. Once payment is made, coverage can commence immediately and conclude on the specified end date.

Moreover, obtaining short-term car insurance is fast and simple, particularly useful for rental situations or emergencies. However, this kind of insurance is typically intended for personal use, which could be declined if the vehicle is intended for transporting goods or passengers.

Furthermore, it’s crucial to note that a temporary plan is separate from a yearly plan. This implies that filing a claim will not impact the driver’s or car owner’s no-claims bonus.

For individuals who drive their vehicle many times throughout the year, an annual cover is often more suitable.

How Long Can You Have Temporary Car Insurance For?

Short-term car insurance is commonly offered for durations ranging from hourly, daily, weekly, to monthly periods, with some policies extending coverage beyond these time frames.

Hourly Car Insurance

Short-term car insurance is beneficial when purchasing a vehicle privately and intending to conduct a test drive. Additionally, it proves useful for obtaining drive-away insurance, enabling you to transport your new car from the seller’s location or an auction site.

One-Day Car Insurance

Temporary car insurance presents an excellent alternative if you are embarking on a lengthy road trip and wish to share your driving responsibilities with another person. It’s also a convenient choice for occasions when you need to borrow a friend’s car for a single day.

Weekend Car Insurance

Whether you are staying back from college for the weekend or meeting up with friends, you have the option to secure a short-term car insurance policy for the weekend.

Weekly Car Insurance

When you find yourself between yearly car insurance plans and require seamless coverage, week-long car insurance presents an ideal requirement.

Monthly Car Insurance

Individuals can secure a car insurance policy within a month in various situations, such as borrowing money at home from a university or car-sharing with colleagues. Moreover, this provider extends coverage for up to 28 or occasionally 30 days at a stretch.

Additionally, you can specify the duration you prefer your temporary car insurance to elapse when coverage is presented. Lastly, when you need an extension, you can inquire with your insurance provider about an additional expense.

How Much Does Temporary Car Insurance Cost?

Your insurance provider evaluates various factors, such as age and the kind of policy you choose, to determine the amount of risk imposed on your premium.

These factors may include your driving history, the type of vehicle you drive, your location, and other relevant personal details.

Your Location

Vandalism and theft might accumulate in some zip codes compared to others, which could affect the premium on your policy.

Your Occupation

Most occupations may be discovered to have severe risks, particularly those that entail long-distance driving or exposure to heavy machinery.

Your Mileage

In simple terms, the more you drive, the greater your chances of spending more time on the road, thus increasing the likelihood of making an insurance claim.

Driving Records

This involves both any driving offenses you may have and any previous claims you’ve made on car insurance policies.

Kind of Car

Your vehicle will be categorized according to its make and model. Cars in higher insurance groups typically incur higher coverage costs.

The cost of temporary car insurance is determined by the specific vehicle you want to insure and the driver listed on the policy. However, it’s crucial to note that the price of one-day car insurance will typically exceed the cost of coverage for a single day under an annual policy.

What Does Temporary Car Insurance Cover?

Both business and leisure usage are covered as standard, except for a yearly car insurance plan. Even though your policy is temporary, your coverage is comprehensive. The following incidents have been covered:

  1. Third-party damage
  2. Theft
  3. Damage to the vehicle
  4. Repair after an incident
  5. Drive in Europe

Additionally, based on the requirement, you might include other additional coverage in your insurance plans, which are:

  1. Breakdown coverage
  2. Legal cost coverage
  3. Personal accident coverage
  4. Excess protection
  5. Comprehensive coverage

Most insurance plans might differ from each other, and it’s important to review the policy coverage before purchasing it.

What Does Temporary Car Insurance Not Cover?

Temporary car insurance typically provides comprehensive coverage; however, it does not extend coverage for:

No Purpose for Car Usage

For instance, if you utilize a car for hire or reward purposes or any other activities, it will be excluded from the policy’s terms and conditions.

Multiple Drivers

Currently, car users are unable to include an additional driver in a Tempcover policy. If someone else intends to drive the vehicle, you will need to obtain two separate temporary car insurance policies.

Driving a Different Car

Your temporary car insurance cannot be used to drive a vehicle that is not the one specifically insured under the policy.

No License

Driving a vehicle without the appropriate license or providing inaccurate information during the policy application to meet eligibility requirements is not permitted.

Most policies vary, as do their exclusions. It’s essential to carefully review the policy to understand what is and isn’t covered.

How to Get Temporary Car Insurance

Here are some of the few methods to secure affordable temporary car insurance.

Agree on a Higher Voluntary Excess

Choosing a higher excess may lower your premium, but it’s important to ensure you can afford to cover the excess in the event of a claim on your temporary car insurance.

Customize your Policy

If you only need insurance for a single day, you have the option to obtain one-day coverage, allowing you to avoid paying for coverage you won’t use.

Avoid unnecessary extra options

Consider whether extras such as breakdown cover are truly necessary before adding them to your temporary insurance policy.


Temporary car insurance offers a convenient and flexible solution for various needs. However, it’s available for durations ranging from 1 hour to 30 days, making it ideal for some situations.

This includes borrowing a friend’s car, test-driving a new vehicle, or embarking on a lengthy journey with someone.