Compare temporary
car insurance

Find quotes quickly and easily, in around 5 minutes

If you only need car insurance for as little as one day to up to six months, temporary car insurance can do the job.

Search and compare short-term cover right here at mustard.co.uk.

Jump to section

  • What are the benefits of temporary car insurance?
  • FAQs
  • Useful links

Jump to section

  • What are the benefits of temporary car insurance?
  • FAQs
  • Useful links

Why compare temporary car insurance quotes?

Short-term car insurance shouldn’t mean having to pay over the odds and comparing quotes can help you find what you need at a price that fits your budget. 

By comparing temporary car insurance you can find a policy that suits your exact needs, so you can relax knowing you are covered.

Temporary car insurance advice and FAQs

What is the longest and shortest time you can get temporary car insurance for?

You can find short-term car cover for as little as one day to up to six months.

Short-term policies by their very nature are pretty flexible and because insurers set their own terms and conditions, you can ask them to extend your policy dates if you need longer than originally set. 

Temporary car cover isn’t an alternative to an annual policy so while you can extend cover if you need to, you probably won’t be able to continue renewing it after a certain length of time. It’s also worth knowing that short-term policies typically provide comprehensive cover only, although if you really want a third-party policy you could ask. 

Short-term car cover won’t affect your no claims discount. You can also hold an annual policy at the same time.

Can you tax a car with temporary car insurance?

Yes, you can tax your car with temporary car insurance and it’s a popular reason for taking out short-term cover. For example, if you’ve bought a car directly from a private owner, you’ll need to insure and tax the car before you can drive it home. Luckily, organising temporary cover takes little time and can be done in just a few minutes. 

Can I get temporary car insurance on a friend’s car?

You can, and if you do it can actually save you money depending on the situation. For example, if you’re moving home, borrowing a friend’s car or van and insuring yourself to drive it can save you money compared to hiring a rental or using a removals firm. Similarly, if you’re staying with friends and they loan you their car for the duration, temp car cover can work out cheaper than a hire car.

What is and isn’t covered in short-term car insurance in the UK?

Short term policies usually provide a comprehensive level of cover but insurers determine their own specific conditions so you should double check any restrictions in place. Typical restrictions and exclusions include:

  • Purpose – generally, you can only have short-term cover if you’re driving for social, domestic or pleasure purposes, or for commuting to a single place of work. If you’re driving for commercial business reasons, short-term car cover isn’t a suitable policy.
  • Negligence – insurers are unlikely to pay out if damage or theft was due to negligence, for example if you left the keys in the ignition and the car was stolen. 
  • Unnamed drivers – only drivers named in the policy are able to drive the car.

It’s worth bearing in mind that these exclusions aren’t unique to short-term car insurance policies and are fairly standard in annual policies too.

Am I eligible for short-term car insurance?

If you’re between 18 and 75 and have a full UK driving licence, you should be able to buy short-term car insurance. If you’ve got a provisional licence and are under 18 you may still be able to buy temporary cover, but you might need to drive accompanied by someone 21 or over. Your insurer should make this clear when you take out the policy. 

What are the benefits of temporary car insurance?

Temporary car insurance has a number of benefits, for instance:

  • It’s quick and easy to organise – policies can be arranged in less than 20 minutes.
  • It won’t affect your no claims discount – it won’t affect the no claims of the person whose car you’re borrowing either.
  • It won’t affect your existing insurance – so long as you’re driving according to the conditions set out in the temporary policy. 
  • It’s flexible – policies are tailored to suit you whether you need cover for an hour or for a few weeks.

How to get cheap short-term car insurance?

You can search for the cheapest temporary car insurance right here at mustard.co.uk. It’s simple, just fill in our online form and we’ll search quotes from multiple providers so that you can quickly and easily find short-term cover that fits your needs. 

What documents will I need when applying for temporary car insurance?

You won’t necessarily need any specific documents, but you will need certain details to hand in order to buy temporary car insurance, including information like:

  • When you want cover to begin and end
  • Your details including age, postcode, whether you hold a full licence and for how long
  • The reason why you need cover
  • The number plate of the car you want to drive.

You’ll also need to agree the excess – this is the amount you need to pay in order for a claim to go ahead so it should be a figure you can afford. 

Compare cheap temporary car insurance