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Quick & Easy Temporary Vehicle Insurance

Get affordable cover, unbelievably fast

To get started, tell us the reg of the car, van, or bike you want cover for

GB
I don't know the reg yet

Find your vehicle from the options below

Just kidding. I do know the reg really

Can we guess how long you need cover for?

Maybe not, choose your own duration

Hours
Days
Weeks

Choose short term cover that’s right for you

Temporary car insurance

Drivers aged 17-78 can find flexible temporary car insurance from 1 hour to 28 days - ideal for a range of everyday situations.

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Temporary van insurance

Tradesmen or drivers looking to borrow a van, aged 17-77, can find short-term van insurance from 1 hour to 28 days

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Temporary courier insurance

Get flexible, short term cover for a range of delivery jobs including single or multi-stop deliveries with temporary courier insurance.

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Impounded vehicle insurance

Time is crucial when your vehicle’s impounded. Don’t waste it – get temporary cover quickly with impounded vehicle insurance.

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Temporary bike insurance

Get the cover you need for the duration you want with temporary motorbike insurance. It’s ideal for occasional riders.

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Temporary learner insurance

Get extra practice without the worry. Temporary learner insurance provides fully comprehensive cover and protects the owner’s No Claims Discount.

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Temporary expats insurance

Get flexible and affordable cover to use a car while back in the UK with temporary expats insurance.

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Temporary european car Insurance

We offer drivers comprehensive short-term car insurance that covers them to drive across all EU member states, along with other European countries.

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Temporary student car insurance

University students can save money with our short-term car insurance - perfect for when you're home from uni and want to use the car.

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Our customers love us

We also currently hold an ‘Excellent’ rating on Trustpilot with over 30,000 reveiws.

Why choose Tempcover for your temporary cover?

What does temporary insurance cover?

With comprehensive cover as standard on temporary car insurance (excluding impounded), you’re covered for any damage to yourself, your car and/or any third parties involved in an accident.

What's covered with short term car insurance?

  • Fully comprehensive insurance (excluding impounded) on policies from 1 hour to 28 days  
  • Accidental and malicious damage to your car  
  • Cover for injury or damage to another person or their property  
  • Driving in the UK
  • In some instances driving in the EU with the third-party or equivalent level

What's optional with short term car insurance?

  • Legal Expenses Cover providing up to £100,000 cover for legal costs including uninsured loss recovery for accidents that are not your fault
  • Excess Reduction Cover, reducing your policy excess to as close as £100 as possible

What's not included with short term insurance?

  • The excess you agreed to pay
  • Release from an impound (unless you buy a specific temporary impounded vehicle policy)
  • Additional drivers – we can only cover the driver named on the policy
  • A sole claim or separate cover for broken/damaged glass including the windscreen

Tempcover works with a panel of insurers to ensure we can provide temporary car insurance for as many drivers as possible. Because of this, full details of cover may differ depending on the insurer. Please double-check the policy wording before purchasing to confirm what is specifically covered in your policy.

The cover you need for the duration you want

Full cover, no impact

Get fully comprehensive coverage on our standard short-term insurance policies – plus it won't affect your no-claims discount

Hourly, daily, weekly

Choose the duration you want with 1-12 hours and 1-28 days of cover available – don't pay for cover you don't need

Customised to you

Customise your policy to suit your specific situation – get the policy you want and even choose the minute you want your policy to begin

  • Car
  • Van
  • Bike
  • Courier
  • Expat
  • Learner
  • Impounded
  • Car
  • Van
  • Bike
  • Courier
  • Expat
  • Learner
  • Impounded

Get 1 hour to 28 day temporary car insurance quotes in 90 seconds

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Get 1 hour to 28 day temporary van insurance quotes in 90 seconds

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Get 1 to 7 day temporary motorbike insurance quotes in 90 seconds

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Get 1 to 28 day temporary courier driver insurance quotes in 90 seconds

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Get 1 hour to 28 day temporary expat driver insurance quotes in 90 seconds

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Get 12 hour to 28 day temporary learner driver insurance quotes in 90 seconds

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Get 30 day temporary impounded vehicle insurance quotes in 90 seconds

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Forget long quotes. Get a price in 90 seconds

No difficult questions

We've removed the difficult questions most insurance providers ask, so getting a temporary insurance quote is quick and easy. You can see your cheapest quote in just 90 seconds

Quick quote comparison

We do the comparison work to find your cheapest quote. We’ll compare short-term insurance quotes from our panel of providers in seconds and show you the best price.

Mobile, tablet, desktop & app

Get quick and easy quotes online 24/7 on mobile, tablet, desktop, and psst...it's even quicker on the Tempcover app!

So that's what we do...
Affordable cover, unbelievably fast

But don't just take our word for it

Rated Excellent | 23212 Reviews

What our expert says

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Whether you’re borrowing a car, moving house, visiting friends and family, or learning to drive, temporary vehicle insurance can help you find the cover you need for your situation. It's quick, easy, and gives you peace of mind on the road.

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Marc Pell

Managing Director

We’ve been recognised for our work with plenty of awards

Discover more about temporary insurance

Find out how we can help you
Affordable cover, unbelievably fast

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Frequently asked questions

How does short-term vehicle insurance work?

Short–term vehicle insurance gives you fully comprehensive cover for a set period. It is available hourly, daily, weekly or monthly, so you have a choice of durations that could suit your needs.

  • Cost: The amount you pay for your cover depends on the duration, along with other factors such as the car’s mileage and make. When you begin the quote process with us, you will be given an estimate of how much your temp insurance will cost based on the information you provide.
  • Timing: You can tell us when you need your cover to begin. With short-term insurance, we understand that you might need to arrange a policy at the last minute, so you can get a quote under 2 minutes.

Begin the quote process now and follow the steps to arrange your insurance policy.


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How quickly can I get temporary insurance?

Our temporary car insurance is designed to be flexible and straightforward, so you could be on the road within minutes of purchasing your insurance policy with Tempcover.

It’s important to note that your insurance status may not be updated on the Motor Insurance Database straight away. We recommend that you print or screenshot your Insurance Certificate and carry it with you as proof of your insurance and legal entitlement to drive the vehicle.


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Am I eligible for temporary insurance?

We cover drivers who want to be insured to drive a car or other vehicle for a short period. You might want to share a long drive or borrow someone else’s car. Your car might be at the garage for repairs, so you need to borrow someone else’s car in the meantime.

Whatever the reason, we have eligibility criteria that you must fulfil to take out short-term car insurance with us. This includes:

  • You must be aged between 17 and 78 years old (depending on which temporary insurance product you select)
  • You must hold a UK driving licence, an EU driving licence or a UK provisional driving licence
  • You must have been a permanent UK resident for the last 12 months or a British expatriate who has previously been a permanent resident of the UK
  • You must have no more than 7 licence points in the last 3 years
  • You must not have been disqualified from driving for the last 2 years

Before you start the quote process, check the eligibility criteria to ensure that your request for cover is likely to be successful.


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Can I get temporary insurance to drive a van?

Of course! With Tempcover, you can find affordable and comprehensive short–term van insurance options. Our policies start from just 1 hour and go up to 28 days, so you’ll only have to pay for the duration you need.

For more information on the cover available, visit our temporary van insurance page.


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Can I use temporary insurance for business use?

Tempcover short–term insurance policies cover commuting to and from one place of work, as well as social and domestic use.

You may need more in-depth cover if you’re using your car for Class 1 business use or travelling to multiple places of work. In these cases, you should check the Insurer’s Declaration after you’ve received a quote to see if the level of cover is suitable. It’s important to check this before you pay for a policy with us.


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Can I use temporary insurance to drive in Europe?

Our temporary car, van, and motorbike insurance policies cover you to drive in all EU member states. The following countries are also covered:

  • Gibraltar
  • Iceland
  • Liechtenstein
  • Monaco
  • Norway
  • San Marino
  • Switzerland
  • Andorra

Be sure to know which countries you’ll be driving in before you purchase your short-term car insurance so you can check what level of cover is needed.


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Can I tax a vehicle if I have temporary insurance?

Yes, you can tax a car covered by temporary insurance in one of two ways. You can do this online on the DVLA website or visit your local post office with your insurance documentation.


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What is policy excess? How much is it?

The policy excess is the amount you agree to pay towards a claim in the event of an incident. This amount will need to be paid to get your vehicle repaired or replaced.

With temporary insurance, you’ll only have to pay compulsory access – the amount you need to pay towards the cost of your claim. This is a pre-agreed amount but will differ depending on the duration of your policy and the level of protection provided.


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Are there any restrictions on short-term cover?

As long as you meet our eligibility criteria, you’re likely to receive temp car insurance from Tempcover. But there are some things we do not cover:

  • No vehicle modifications allowed (those designed to aid disabled drivers are exempt)
  • Left-hand-drive cars
  • Cars with more than 8 seats
  • Hire and loan vehicles
  • Hire and reward vehicles (excluding our courier scheme)
  • Use for carrying hazardous goods or at hazardous locations
  • SORN vehicles
  • International driving licences

You can find more details on what we don’t cover by checking our eligibility page.


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When is temporary car insurance not suitable?

There are certain circumstances where temporary car insurance with Tempcover isn’t the right choice. These include:

  • No vehicle modifications allowed (except for those designed to aid disabled drivers)
  • Left-hand-drive cars (we do insure left-hand-drive motorhomes)
  • Cars with more than 8 seats in total
  • Commercial vehicles with more than 5 seats in total
  • Use for hire or loan vehicles (i.e. vehicle rentals, vehicle salvage/recovery agents, credit hire vehicle/companies and accident management companies)
  • Use for hire and reward (excluding our courier scheme which covers the carriage of goods for hire and reward purposes), racing, pace-making, speed testing, commercial travelling or use for any purpose in relation to the motor trade
  • Use for carrying hazardous goods or use at a hazardous location
  • Vehicles declared as SORN
  • International driving licences

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Can I cancel my policy?

We are unable to make any changes or additions to your cover once you’ve purchased a policy, but you can cancel it at any time by contacting us.

However, due to the short-term nature of temporary car insurance, you will not receive a full refund.


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Can I take out insurance for my MOT?

Every vehicle you want to insure must have a valid MOT. You can, however, purchase shortterm insurance to drive your vehicle to MOT appointments.


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What happens if I have an accident while I’ve got temporary cover?

If you’ve been involved in an accident, there are immediate steps you need to take:

  • Stop at the scene. It is an offence to drive away from an accident once it’s taken place
  • Use your hazard lights to warn other road users and help prevent any further accidents
  • Check that everyone in your vehicle is safe and call an ambulance if there are any injuries
  • Record the damage by taking photos of any vehicles involved in the accident, including registration numbers, and any road signage
  • Don’t admit responsibility at the scene of the accident or when talking with the other party
  • Take witness details as they can help you win your claim if the other party contests your version of events
  • Call our dedicated claims team on 0333 241 3392 as soon as you can to start the claims process

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How does the Tempcover claims process work?

Even when you take necessary precautions, the worst can still happen. If it does, Tempcover is here to support you every step of the way. To make a claim with us, call our dedicated team on 0333 241 3392 and they’ll collect the details of your claim.

If applicable, they can help you arrange repairs and a replacement car or even help you reclaim uninsured losses.


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Will my no claims discount be affected if I make a claim?

Short-term car insurance is separate from an annual policy, so it won’t affect your NCD if you need to make a claim in the event of an incident.


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Will I build up my no claims discount with temporary car insurance?

You’re not able to build up your NCD on a short–term car insurance policy. This is because temp insurance does not renew after the maximum duration of 28 days, so each policy counts as new.


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