One month car insurance
Find out how temporary car insurance works and get on the road with the best deal.
If you’re planning to borrow a car for a month-long road trip, chances are you won’t want to sign up to an annual car insurance policy. Temporary car insurance is available in the UK and could cover you for 30 days, or even longer with some insurers. Read our guide to be sure you have all the facts before choosing a temporary car insurance policy to suit you.
How does temporary car insurance work?
All drivers are required by law to have car insurance to be on UK roads, as it provides financial protection for all involved in the event of an accident. It covers you in the event of causing injury to other people or damaging their property, and can also protect you financially if your car is vandalised, stolen or damaged by fire. This does not change whether you are on the road for one day, one month or one year.
One month car insurance provides you temporary cover only for when you need it, so you don’t need to spend money unnecessarily on an annual car insurance policy. You can get a one day car insurance policy, or up to three months and longer in some cases. This means it is easier to get cheap one month car insurance, without having to sign up for the whole year.
Who might consider one month car insurance?
- Someone borrowing a car for a trip or to spend time with family.
- Someone sharing the driving on a long road trip.
- Someone taking their second car out on a road trip.
- Someone borrowing a car to run errands for family or friends.
What does one month car insurance cover?
Temporary car insurance policies vary from one provider to the next, but most will usually offer:
- Instant insurance from as little as one hour up to 30 days or more
- Third party cover
- Fire and theft damage
- Accidental damage
- Third party EU cover
- Cover that can be extended to fit your needs
- No claims discount protection for the car’s main driver if you make a claim on their policy
Read your policy documents carefully to ensure you have the required level of cover for your needs.
What isn’t covered?
Any one month insurance cover is likely to become invalid if one of the following arises:
- You fail to pay for your premium.
- You do not hold a valid driving licence (you might not be able to take this insurance out with a non-UK driver licence, but this can vary by provider).
- You are caught driving under the influence of alcohol or drugs.
- You drive the car without the owner’s permission.
- The car is stolen because you have failed to leave it locked and secured.
Check your policy for further details to confirm your cover will be valid for the whole duration you need it for.
Different insurance providers offer different types and levels of additional cover to enhance your policy. These are some of the more common options:
- Temporary UK breakdown cover
- Temporary EU breakdown cover
- Gadget cover
- Key cover
- Enhanced personal accident cover
Are there any restrictions to getting one month car insurance?
Different providers will have different restrictions and conditions for the purchase of their temporary car insurance cover. The following are examples of some of the possible criteria:
Requirements for the driver:
- Must be over 21 years old. Unfortunately, obtaining cheap temporary car insurance for under 21s can be difficult.
- Must have held a current provisional or full driving licence for at least 6 months (for UK drivers) or 12 months (for EU drivers).
- Must have been a UK resident for 12 months or more.
- Must not have received more than seven driving licence points in the last three years.
- Must not have claimed more than twice in the previous three years (not including claims where the driver was not at fault).
- Must not have any criminal convictions.
Requirements for the car:
- Must be registered in the UK (including Great Britain, Northern Ireland or the Isle of Man).
- Cannot have a market value of more than £5,000.
- Must not have more than eight seats, including the driver’s.
- Must be a right-hand drive.
- Cannot be modified (except for modifications designed to help disabled drivers).
- Must not be used to carry goods or passengers for hire or reward.
Some car insurance providers consider drivers under the age of 25 to be a higher risk, and so might decline to insure them. Those with previous convictions or multiple points on their licence may also be refused.
Please note the restrictions listed here are meant only as an example of possible conditions for temporary car insurance. It is crucial to carefully read through the details of the specific policy you intend to take out to ensure that you are eligible for one month car insurance cover.
How much does temporary car insurance cost?
Car insurance policies are always affected by a number of personal factors and one month insurance cover is no different. The driver’s age, location and years of driving experience are all considerations, as well as the car’s model, make and value. Additionally, premiums also vary depending on which provider is supplying the temporary car cover.
Experienced older drivers borrowing a family car are more likely to find cheap one month car insurance cover than younger and inexperienced drivers, or those looking to borrow a sports car for a month.
It’s always a good idea to shop around for the best deal to make sure you get the cheapest temporary car insurance cover for your needs.
How can I save on temporary car insurance?
- Get the right level of cover for your needs. Depending on your circumstances, you might not need comprehensive cover – a third party, fire and theft policy may be sufficient.
- Consider joining an existing policy. Even the cheapest temporary car insurance policy might not work out as affordable as being temporarily added to the annual cover of the car’s owner. But remember that any claim would affect the policyholder’s no claims bonus.
- Choose a higher excess. Increasing the level of your voluntary excess usually lowers premiums, but note that if your claim costs less than your excess, your insurer won’t pay for it, which can leave you out of pocket should you have an accident or damage the car.
- Don’t pay out for unnecessary extras. Adding extra protection to your policy can be worth the expense if you have a real need for it, but consider carefully whether that is the case.
- Shop around. Make sure you compare your options to find the best deal. But remember that cheapest doesn’t necessarily mean best, so always read the policy details in full to make sure it’s the right one for you.
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