Temporary Car Insurance - InsureDaily

The easy solution to your short-term insurance needs.

You wouldn't pay for a cinema membership all year round if you only went once a year, so why buy an annual insurance policy when you only need temporary cover?

Get Temporary Car Insurance for when you need it with InsureDaily - includes free Breakdown Cover with all daily policies

Everything You Need To Know About Short Term Insurance

What is Temporary Car Insurance?

Temporary Car Insurance is for when you only need car insurance for a short-term period and allows you to pay for however long you need that cover for.

So, if you need to drive or borrow a different vehicle for a few hours, a day, a week, or a month, this could be a cheaper and easier alternative to annual insurance for you.

InsureDaily offers a competitive comparison of short-term car insurance providers, and it’s quick and easy to get a quote for anywhere from 1-84 days.

Car insurance offers a level of financial protection for drivers of vehicles, their passengers and third parties, whether they are individuals or property. It is required as part of UK law by the Road Traffic Act that all drivers of vehicles on public roads arrange an insurance policy, this is mainly in order to protect others from financial loss, but it is also common to have Comprehensive cover, which also cover the vehicle being driven and the policyholder from any financial loss. 

The ‘temporary’ part in ‘temporary car insurance’ (or temporary van insurance, as both types of vehicle can be covered), purely relates to the ‘period of cover’.

Previously, prior to 2010, when InsureDaily designed their insurance product for shorter periods, most car insurance policies where purchased for a period of one year, with the idea being that you had one car for a long time – and at the end of the year period, you could renew your car insurance for the following year. As we know, most people’s vehicle usage does not necessarily fit into that model these days and some people even prefer not to own a car themselves, they just simply borrow a friend’s car for the short time they need to drive – and that is where temporary car insurance fits in, solving the issue of being covered for a few days or weeks.

InsureDaily’s temporary insurance initially offer a range of cover periods from 1 day up to 28 days, but that range has been expended to allow the shorter period of 1 hour up to a maximum period of 84 days.

Do I need Temporary Car Insurance?

If you’re wondering what circumstances you might need short-term car insurance in or whether it might apply to you, here are some of the reasons that people purchase temporary insurance:

There are obviously many more reasons that people need short term cover, but these are some of the most common reasons.

What’s Covered?

As standard, all temporary insurance policies with InsureDaily are comprehensive, giving you the highest level of cover so you can be sure you have the cover you need, when you need it. The details listed below are for one of our short term providers to give you an idea of what is covered, so to check the exact limitations of your policy and restrictions of financial and legal liability, you can check out the policy wordings for each product.

Optional Add-ons

What Isn't Covered?

Like any insurance there are limits to liability that an insurer will take on, and there are circumstances that will void the cover. Below are some examples of things that are not covered by one of our short term insurers, but for the full list of restrictions of course check out the policy wordings for your cover.

There are of course other restrictions and events that would void your cover, these are just some of the most common examples with our temporary insurance. You can also read on to find out more about our Terms of Business

How do I get Temporary Car Insurance?

You can buy your short-term car insurance policy from this InsureDaily website. You can get a quote in seconds and be covered in only a few minutes, with the Certificate of Insurance emailed straight out to you. Payment for the insurance cover is taken online and your policy can start straight away.

One Day Car Insurance

One day policies are the most popular and frequently used short-term policies due to the convenience and demand for being able to drive a different car to normal for one day, whether it’s to go on holiday, visit a relative or go to work whilst your car is in the garage, these are by far the most common policies and we compare one day insurance providers to make sure you get the best price.

Can I get temporary Van Insurance?

You can get temporary van insurance for anywhere between 1 hour or 1-84 days, and getting a quote and getting cover is just as easy as for a car. So, whether you need short-term cover on a van while you’re moving house or just to use whilst your van is being repaired, you can get a quote in seconds here.

Temporary Learner Driver Insurance

You can get temporary insurance if you’re learning to drive too. This can be helpful in learning to drive quicker whilst also saving money on lessons. You can get learner insurance from anywhere between 1 day and 1 year, so whether you just want to practice for an afternoon or you want to learn in your own car or someone else's car for a year, you can get the right insurance for you.

You can also find out more about our Learner Driver Insurance products.

Does temporary car insurance show on MID?

It can take up to 7 working days for temporary insurance to show on MID which with short-term policies can mean the policy will have expired before it shows on MID. However, just because your cover does not show on MID yet does not mean you are not insured. The best way to know if and when your car is insured is to check your documents after you have purchased insurance and to keep a copy of these on you or make sure you have access to them on your email.

Why is temporary car insurance so expensive?

Temporary car insurance can be expensive depending on your circumstances. For insurers, the risk for insuring for 1 day and 1 year can be the same, so sometimes it can be more expensive than you might expect for short term policies. However, at InsureDaily we strive to offer the best, cheapest short term cover on the market.

Is temporary insurance better than adding someone to my annual policy?

You could add someone to your annual policy on a short term basis with most insurance policies, however doing so can affect the price of your annual cover and would affect your no claims discount on that policy, so the better option and usually cheaper option is often to take out a separate temporary insurance policy with Comprehensive Cover.

Temp Car Cover

Different from annual insurance, temporary cover is specifically for 'short term' fixes, like if a relative comes to stay for a week's holiday and wants to use your car.

So the policies are for a minimum of one hour insurance cover to a maximum of one month's car insurance (1 - 84 days, to be precise).

You can also take out subsequent policies, so at the end of your first policy, you can incept a new policy for the required remaining period.

Online Cover

Offering instant online cover, which gives you a quote in seconds from only requiring the minimum of information, within a few minutes of finding our website your car can be insured with your insurance policy documentation emailed to you within minutes.

Why You Might Need Temporary Car Insurance

One Day Car Insurance

Example One: Mr P Robson was moving flat and assessed that he would need to do three complete return journeys in his Nissan Micra 1.0 LX to move his possessions from his old flat in Derby to his new flat in Wollaton, Nottingham.

The journey took 40 minutes each way, so in all, he was looking at 4 hours of journey time.

Luckily for Mr Robson, his friend, who owns a Lexus 300 RX, allowed him to borrow his car, provided he sorted out the insurance.

Within minutes of finding the InsureDaily website, Mr Robson had his insurance Certificate for One Day Car Insurance emailed to him.

He managed to take all his belonging in the much more spacious Lexus in one journey - saving time & petrol. The one day car insurance policy with InsureDaily worked a treat - with instant cover allowing him to get on with his move without having to leave the house!

One Week Car Insurance

Example Two: The Walsh family are going to Scotland for a weeks holiday and their cousin, Louise Walsh is joining them on the trip.

Louise has her own car but has decided to leave it behind to save money - they all go in the Walsh family's Ford Galaxy Edge. To share the driving on the holiday, Mr Walsh has arranged temporary additional driver cover with InsureDaily, so Louise can drive the Galaxy whenever needed during the holiday.

All drivers are now fully comprehensive - and even if Louise has an accident, this will not effect the No Claims Bonus already earned by Mr Walsh, as this One Week Car Insurance is treated as an independent, unrelated policy. InsureDaily offered the Walsh's a very straightforward way to ease the load of the driving for their one week holiday - and gave them all the comfort of knowing they were comprehensively insured.

There are many scenarios that InsureDaily's instant online temporary car insurance can help resolved. If you have any questions or doubts, you can find most answers in the frequently answered questions listed above, or you can have a look at the policy wordings here.

Temporary Car Insurance

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