Compare temporary car insurance providers in 30 seconds
What's in this guide?
- Compare temporary car insurance providers in 30 seconds
- How does temporary car insurance work?
- What does temporary car insurance cover?
- Who might wish to consider temporary car insurance cover?
- Can anyone get short term car insurance?
- Is temporary car insurance expensive?
- How can I save on temporary car insurance?
- Things to consider before you buy
- Bottom line
- Frequently asked questions
How does temporary car insurance work?
Short term cover can be extremely handy if you want to help share the driving on a longer journey, you’re borrowing a car for a weekend, or you’re loaning your car to a friend or family member whilst you’re away on holiday.
Temporary or short term car cover policies usually last between one and twenty-eight days. This type of insurance policy offers the perfect solution for infrequent drivers, and people borrowing or lending a car on a short-term basis.
What does temporary car insurance cover?
Short term car insurance offers similar flexibility to annual policies. In theory, you’ll have the option to decide whether you prefer fully comprehensive or third party, fire and theft coverage levels. However, the majority of temporary car insurance companies will only offer fully comprehensive cover.
If you’re lending your car to someone, temporary car insurance policies often also protect your no-claims bonus in the event that the driver borrowing it has an accident.
Likewise, if you’re taking out short term insurance and already hold a no-claims bonus on a regular policy, it won’t be penalised in the event that you claim for an accident whilst driving another vehicle with a short term policy.
Who might wish to consider temporary car insurance cover?
- Shared driving. Many of us go on holiday with friends or family and share transport to cut down on fuel consumption. If you’re sharing the driving on a long journey or weekend getaway, temporary car insurance can provide a cheaper alternative to amending your own policy. Similarly, if you’ve got a license but very rarely drive, it’d be more cost effective to take out short term cover (as long as it’s not for your own car!).
- Borrowing a car. Whether this be borrowing a more reliable vehicle from a family member for a lengthy journey, loaning a friends car whilst yours is in for repair, or sharing your parents car whilst you’re home from uni, temporary car insurance is easy, accessible and affordable.
- Test driving a car. Lots of car companies let potential buyers borrow a car to test drive for a period of time. If you’re already insured on your own vehicle, then you’ll most likely already be covered third party. However, if you’re test driving a pricey vehicle, it may seem appropriate to take out a temporary insurance policy that covers you on a fully comprehensive basis.
- Moving house. If you’re moving house and planning to borrow a car or van from a friend or family member to make life easier – and less expensive than hiring a removal team – then temporary cover is a go-to.
- Buying a new car. If you’ve bought a new car and don’t have the appropriate time to find the best annual cover right away, temporary car insurance offers a quick-fix in the interim period.
Can anyone get short term car insurance?
Provided you hold a valid full UK driving license and are aged 18 to 75 you will be eligible to take out a temporary car insurance policy.
Unfortunately, learner drivers are not eligible to take out cover on a temporary basis.
Is temporary car insurance expensive?
Short term cover is a quick-fix insurance solution. It can be a cost effective way to insure a car in the short term, however, if you’ll be needing temporary insurance for a month or longer, it quite often works out cheaper to buy an annual policy.
Temporary car insurance is more expensive than annual policies, when you break it down to a daily charge. But, before making any definite decision, you need to also factor in any cancellation fees that could be incurred if you come to cancel your annual cover.
How can I save on temporary car insurance?
The best way to cut back on the cost of taking out temporary car insurance is to shop around. Compare competing companies and pick out the best available quote. Here’s some other hints to help steer you in the right direction to saving on short-term insurance.
- Compare and contrast quotes. If you’ve already got a can insurance policy it’s worth contacting your existing provider to get a quote for additional cover on the temporary vehicle. Then, you’ll need to compare this side by side with temporary insurance quotes. You could find that by going back to your existing car insurance provider and stating you’ve found a lower quote elsewhere, that there’s some room for negotiation.
- Consider your coverage needs. If you’re borrowing a valuable vehicle for a long journey laden with motorways and heavy traffic, then comprehensive cover could be advisable, especially if the owner would be devastated by any damage caused to the vehicle. However, if you’re moving house, and only travelling a short distance a handful of times, it might be worth seeking out a provider that offers temporary third party, fire and theft cover.
- Compare providers. There are literally hundreds of temporary car insurance providers out there. Make sure you compare quotes from a diverse range of companies rather than picking the first quote you get.
- Discount codes and coupons. Here at finder, we’re in the loop when it comes to discounts and deals. If there is a discount or offer on temporary car insurance we will be the first to let you know and elicit those savings you’re after.
Things to consider before you buy
Here’s a list of the top things to think about before you choose temporary car insurance cover:
- Do you really need it? It’s ideal if you don’t have an existing policy already, or if you’d prefer the extra security of being fully comp on a borrowed car, but if you already have your own existing fully comprehensive policy, you may already be covered to drive the car third party without the additional cost.
- How long will you be needing the cover to last? Remember, if it’s a month or more, it might be more cost effective to take out an annual policy and cancel it when you no longer need it. Just don’t forget to factor in any cancellation fees applicable to annual policies before finalising your decision.
- What level of cover do you need? Whilst most insurance companies do only offer fully comprehensive policies on a short term basis, there are some out there that will offer temporary third party, fire and theft cover. If you’re an occasional driver taking out a short term policy, for example to share the driving, consider what level of cover you need. And be realistic.
- What’s your driving history? Things like convictions, points on your license and previous insurance claims will factor into the quotes you receive.
- Are you road tripping across Europe? Some temporary insurance companies will allow you to take out European cover for an additional fee. Handy if you’re planning a sightseeing road trip.
There are many insurers that offer short term car insurance so make sure to compare deals.
It’s also worth remembering to be as realistic as possible with the length of time you’ll need cover for as every extra hour or day is likely to increase your premium.
Frequently asked questions
Read more on this topic
Cheapest car insurance in the UK Good car insurance doesn't have to be expensive. Compare cheap car insurance quotes to start saving today.
John Lewis Finance car insurance review Find out the key details about John Lewis Finance car insurance in our review and compare quotes to get the right deal for you and your car.
InsureLearnerDriver discount codes You can save on expensive car insurance using our InsureLearnerDriver discount codes and vouchers.
Voided and cancelled car insurance Read our guide to understand why honesty is always the best policy to avoid your car insurance being voided or cancelled.
How car modifications affect insurance Before you pimp your ride, find out which modifications are likely to increase your insurance premiums and which ones will see your car cover fall.
Tax free cars Thinking about buying a new car? Read our guide first as you may find a way to avoid paying road tax altogether and save on your car insurance.
Specialist car insurance Read our guide to discover all the different types of specialist car insurance and find out if you can save on your car cover.
By Miles car insurance review By Miles offers pay-as-you-go car insurance for those who only drive occasionally.
Why is car insurance so expensive? Find out how to cut the cost of your car insurance without cutting any cover.
Instant car insurance See how you can get immediate cover and compare instant car insurance quotes now.