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.
Drivers aged 17-78 can find flexible temporary car insurance from 1 hour to 28 days - ideal for a range of everyday situations.
Tradesmen or drivers looking to borrow a van, aged 17-77, can find short-term van insurance from 1 hour to 28 days
Get flexible, short term cover for a range of delivery jobs including single or multi-stop deliveries with temporary courier insurance.
Time is crucial when your vehicle’s impounded. Don’t waste it – get temporary cover quickly with impounded vehicle insurance.
Get the cover you need for the duration you want with temporary motorbike insurance. It’s ideal for occasional riders.
Get extra practice without the worry. Temporary learner insurance provides fully comprehensive cover and protects the owner’s No Claims Discount.
Get flexible and affordable cover to use a car while back in the UK with temporary expats insurance.
We offer drivers comprehensive short-term car insurance that covers them to drive across all EU member states, along with other European countries.
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.
We also currently hold an ‘Excellent’ rating on Trustpilot with over 30,000 reveiws.
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.
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.
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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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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.
Begin the quote process now and follow the steps to arrange your insurance policy.
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.
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:
Before you start the quote process, check the eligibility criteria to ensure that your request for cover is likely to be successful.
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.
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.
Our temporary car, van, and motorbike insurance policies cover you to drive in all EU member states. The following countries are also covered:
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.
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.
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.
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:
You can find more details on what we don’t cover by checking our eligibility page.
There are certain circumstances where temporary car insurance with Tempcover isn’t the right choice. These include:
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.
Every vehicle you want to insure must have a valid MOT. You can, however, purchase short–term insurance to drive your vehicle to MOT appointments.
If you’ve been involved in an accident, there are immediate steps you need to take:
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.
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.
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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