Temporary Car Insurance

Cover starts instantly. Provide your details, the vehicle registration, and choose your duration — from 1 hour to 28 days. Your policy is issued immediately and your details are submitted to the Motor Insurance Database, which is updated three times a day. We recommend carrying a copy of your insurance certificate during the cover period.

Temporary cover is ideal if you are borrowing a friend or family member's car, sharing the driving on a long trip, collecting or delivering a vehicle, test driving a car before buying, moving house and need a van for the day, or if a young driver is home from university and needs to use the family car. It is also useful if you are using a courtesy car.

Yes. Because you take out your own separate short-term policy, any claims are made on your temporary policy — not the car owner's annual policy. This protects their no claims discount completely. It is one of the main reasons people choose temporary cover instead of being added as a named driver.

We cover private cars and light commercial vehicles up to 3.5 tonnes with a maximum value of £65,000. The vehicle must have a valid MOT, must not be SORN, and must not be imported, left-hand drive, or heavily modified. Vehicles with more than 7 seats are not eligible. The vehicle must not have been seized by police.

Yes. If you need cover for longer than originally planned, you can extend your policy through your online account at any time. The maximum total duration is 28 days. If you need longer-term cover, speak to our team on 01323 416706 about an annual policy.

Yes, though there may be additional requirements. Anyone driving on UK roads must have valid insurance. Non-UK residents and visitors can often arrange temporary cover — speak to our team on 01323 416706 to discuss your eligibility and options.