Annual car insurance policies provide year-long protection, but they do not offer much flexibility. Sometimes, it does not make sense for a motorist to pay for a full year of insurance if they only require the usage of the vehicle for a short period. It is in these instances where it makes more sense for the driver to arrange temporary car insurance.

Temporary Cover

Temporary vehicle insurance is a type of cover that can be arranged (typically) between 1 and 28 days from specialist providers. This is helpful in a number of instances, including when a motorist needs to borrow an automobile, for adding a temporary additional driver to your car, for those making a business trip, when you need to share the driving on a long drive, if you need to drive a bigger vehicle to help somebody move or if there is a gap between one annual policy ending and the other starting.


These are just a few instances where temporary car insurance is helpful, but there are many more as modern day motorists often require the usage of a vehicle for just a short period of time and do not want or need annual cover. Crucially, these policies are standalone and this means that if you have to make a claim it will not impact on the No Claims Discount (NCD) on your annual policy. In addition to this, most providers will offer a range of optional extras like daily breakdown cover, additional drivers and comprehensive European cover.

Fast Acceptance

Often, it is not until last minute that a motorist realises that they will need cover. Most providers of short term car insurance can provide cover just 15 minutes after the acceptance criteria is met with the insurance certificate being emailed immediately. Alternatively, you can arrange usually up to 28 days in advance. In addition to this, most providers allow you to insure one vehicle for a few days and then change car and take out another policy.

Temporary car insurance provides comprehensive and complete flexibility when it comes to cover and it can be easy to arrange too. You will simply need the registration number of the car you wish to be insured on, your driving license number (or passport number for non-UK license holders), payment details and other basic information. In addition to UK licenses, the majority of other nations can also apply for cover (provided they held a license for 6 months).

Published by Alex Hales