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Quick & Easy Temporary Insurance

Get affordable cover, unbelievably fast

To get started, tell us the reg of the car or commercial vehicle you want cover for

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


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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Why choose Tempcover for your temporary vehicle insurance?

We're a leading provider

Tempcover is a leading provider of temporary insurance in the UK, with over a decade's experience in the industry. In that time, we've developed premium short-term insurance products and created an industry that has helped hundreds of thousands of drivers get flexible and affordable insurance.


We compare prices

We work with a panel of insurers to help you get the policy you need from a range of options and durations. This means you only pay for the cover you need.

Flexible policy durations

Depending on the type of vehicle you need to insure, you can select the duration you want from just 1 hour up to 28 days.


Fully comprehensive cover

Our temporary car, van, learner, and bike insurance (excluding impounded) comes with fully comprehensive cover as standard. Get complete peace of mind whether you’re borrowing a vehicle or letting someone use yours.

It's quick and easy

It’s unbelievably quick to get the insurance you need thanks to our incredibly simple quote process – it takes just a few minutes to get a policy!


We're here to help

Our highly skilled team works hard to make it as easy as possible for you to get the right short-term insurance. Anytime, anywhere – with Tempcover, there’s no waiting around.

Our customers love us

We also currently hold an ‘Excellent’ rating on the customer review site Trustpilot.


What does temporary insurance cover?

With comprehensive cover as standard on temporary car insurance, 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 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 equivariant level

What's optional with short term car insurance?

  • AA Breakdown Cover, including roadside callout, home start & national recovery
  • 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

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


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


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


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


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


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


Get 30 day temporary impounded vehicle insurance quotes in 90 seconds


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'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

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

Is temporary car insurance legit?

 Tempcover has provided temporary vehicle insurance to hundreds of thousands of drivers for over 15 years.

We’re currently rated ‘Excellent’ on Trustpilot and have over 23,000 reviews, with over 80% of reviewers giving us 5 stars!

Discover more about temporary insurance

Who do we cover

Working with several insurers means we can cover a wider range of people – find out if we can offer short-term vehicle insurance to you



Got a specific question you need answering? Here are the responses to our most frequently asked questions


Product guides

Discover all you could ever need to know about our products and insurance in general with our range of handy guides



Check out our range of news, reviews, tips and articles about everything from selling your car to picking your next holiday


Live chat

Get quick answers to all your questions by speaking to our trained customer experience team

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Contact us

If you're still stuck, get in contact and we'll answer your temporary insurance query personally and promptly

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What our expert says

Whether you’re borrowing a car, moving house, visiting friends and family, or learning to drive, temporary 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.

Marc Pell

Managing Director

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


Frequently asked questions

What does temporary car insurance cover?

Temporary car insurance is fully comprehensive as standard with Tempcover. Your short-term car insurance covers:

  • Accidental and malicious damage to your car
  • Legal liabilities for injury or damage to another person or their property
  • Driving in the UK, and in some instances driving in the EU

We also offer optional coverage at extra cost. Tempcover works with a panel of insurers to ensure every customer gets the level of cover they need. This means the extent of your temporary car insurance may vary depending on the insurer. Make sure you always double-check the policy wording before you make a purchase.

How does short-term car insurance work?

Shortterm car insurance gives you fully comprehensive cover for a set period. It is available hourly, daily, weekly or monthly. You just need to provide us with a few details about yourself and your car before choosing when you want your cover to begin.

Can I get temporary insurance to drive a van?

Of course! With Tempcover, you can find affordable and comprehensive shortterm 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 it.

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

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 vehicle insurance so you can check what level of cover is needed.

Can I use temporary insurance for business use?

Tempcover shortterm 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 for you. It’s important to check this before you pay for a policy with us.

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.

Are there any restrictions on short-term cover?

As long as you meet our eligibility criteria, you’re likely to receive temporary vehicle insurance from Tempcover. There are, however, 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.

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.

Can I get one-day car insurance?

We provide fast and flexible short-term car insurance policies starting from 1 hour to 28 days, so insuring a car for 24 hours is straightforward.

Our daily car insurance gives you the same level of cover you’d expect from longer insurance without having to sign up for long-term contracts or commitments. You’ll receive hassle-free cover on the day you need it.

Can I get hourly car insurance?

We provide shortterm car insurance policies starting from just 1 hour! Our hourly temp insurance is designed to provide drivers with maximum flexibility and between 1-12 hours of cover.

Whatever your situation, you can have the peace of mind that our policies allow you to legally use a car straight away and keep you covered in the case of an incident. You can find out more about the details of the cover available by visiting our hourly car insurance page.

Can I tax a car if I have temporary insurance?

Yes, you can tax a car covered by temporary vehicle 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.

How old do I have to be to get temporary car insurance?

Our policy states that you need to be aged 17-78 and hold a full UK or EU driving licence to be eligible for temporary car insurance with Tempcover.

How quickly can I get temporary insurance?

Our temporary vehicle insurance is designed to be flexible and straightforward, so you could be on the road within a few 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 highly 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.

Can I have temporary car insurance at the same time as annual insurance?

Yes, that’s not a problem. You can take out temporary car insurance alongside your annual policy and it won’t affect your No Claims Discount if you need to make a claim.

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

If you’ve been involved in an accident, there are some 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

How does the Tempcover claims process work?

Even when you take the right 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.

Will my No Claims Discount be affected if I make a claim?

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

Will I build up my No Claims Discount with temporary car insurance?

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

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.

How do I find out my temporary car insurance expiry date?

When you purchase shortterm car insurance with Tempcover, we’ll send you your policy documents once payment is confirmed. You can find the details of your temp insurance, including its expiry date, here.

You can find your policy documents on the “You’re Covered!” confirmation page or via a secure link in your confirmation email, which is sent directly after your purchase.

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