Temporary car insurance

Arrange temporary car insurance for anywhere between 1 hour to 28 days, all in just three effortless steps.

  • done Visit our partner GoShorty
  • done Fill a quick online form
  • done Get an online quote & choose your options
  • done Just pay online & you are instantly insured!
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Need Temporary Car Insurance?

Need car insurance just for the day or perhaps a few hours? GoShorty offers flexible, fully comprehensive temporary car insurance, perfect for when you need quick, short-term cover.

From as little as 1 hour to up to 28 days, get insured in three easy steps: fill out our quick online form, choose your options from the instant quote, and pay online to be covered immediately.

Ideal for drivers aged 18 to 75, our policies are perfect for borrowing a car, test drives, emergencies, or occasional use. Protect yourself and the car owner’s No Claims Discount with our tailored solutions. Get a quote now and drive with confidence, knowing you’re covered by GoShorty’s comprehensive short-term insurance!

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What is temporary car insurance?

Temporary car insurance is a short-term vehicle insurance solution that provides coverage for a brief period, typically ranging from a few hours to up to 28 days. This type of insurance is designed for drivers who need quick and flexible insurance cover without committing to a long-term policy. It’s ideal for situations like borrowing a friend’s car, test driving a new vehicle, or for emergency use.

Temporary car insurance offers a practical way to be insured only for the duration you need, ensuring both convenience and cost-effectiveness. This insurance typically includes comprehensive cover, protecting against accidental damage, personal injury, and damage to third-party property.

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How is temporary car insurance calculated?

The cost of temporary car insurance in the UK varies based on several key factors.

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Driver Demographics

Age and experience are crucial, with younger and inexperienced drivers often facing higher costs.

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Driving History

A record of previous accidents or traffic violations can lead to increased premiums.

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Policy Duration

The length of the insurance period, from a single day to several weeks, affects the price.

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Coverage Level

The extent of coverage chosen, including liability, comprehensive, and collision, impacts the cost.

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Geographical Factors

Location-specific risks, such as accident rates in an area, can alter insurance rates.

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Usage Purpose

The intended use of the vehicle, whether personal or business, can adjust the premium.

Who needs Temporary Car Insurance?

Temporary car insurance from GoShorty is designed to cater to a wide range of short-term vehicle insurance needs in the UK. The service is particularly useful for individuals in various situations:

  1. Borrowing a Car or Van: Ideal for those who need to borrow a vehicle from friends or family for a short period, like a one-off trip.
  2. Occasional Drivers: Suitable for drivers who only use a car sporadically and are not the main driver of the vehicle.
  3. Sharing the Driving on Long Trips: Perfect for long road trips where multiple people take turns driving but do not want to affect the car owner’s no-claims bonus.
  4. Using a Courtesy Car: Applicable when you are not driving your own car and need temporary coverage.
  5. Emergency Usage: In urgent situations where you find yourself needing to drive someone else’s car.
  6. Moving to a New House or Office: Handy for short one-time journeys, like moving day, when you need temporary insurance.
  7. Young Drivers and Students: Especially useful for young drivers or students returning from university or college who need insurance for individual trips.
  8. Collecting or Delivering a Vehicle: If you are picking up or dropping off a car, temporary insurance ensures you’re covered during the transit.
  9. Test Driving a New Car: Essential for those wanting to test drive a vehicle before purchasing it.
  10. Learner Drivers and Young Drivers: Useful for learner drivers needing to practice driving in their parent’s car without a hefty insurance bill.

GoShorty provides a range of temporary car insurance options, from hourly to monthly cover, ensuring flexibility and suitability for a variety of short-term insurance needs.

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Who needs Temporary Car Insurance?
Zoe Hicks Motorscan Expert

Our expert says

When purchasing a used car, consider using temporary car insurance for immediate coverage. It ensures you’re legally insured for test drives and the initial ownership period, bridging the gap until you arrange long-term insurance. This approach offers legal compliance and peace of mind right from the start.

Zoe Hicks, Automotive Expert

Who's eligible for temporary car insurance?

To be eligible for temporary car insurance with GoShorty, there are specific criteria for both vehicles and drivers.

These criteria ensure that a wide range of drivers can access temporary insurance for a variety of purposes, while maintaining safety and compliance standards.

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Vehicle Requirements

  • Cars and Commercial Vehicles must be up to 3.5 tonnes.
  • The minimum value for Cars and Vans is £1, subject to age restrictions.
  • The maximum value for Cars and Vans is £65,000.
  • The vehicle should be used for Social, Domestic, and Pleasure purposes, or Social, Domestic, and Pleasure plus Commercial use only.
  • The vehicle must be registered in the UK.
  • Foreign use of the vehicle is not permitted.
  • The vehicle should not be imported or left-hand drive and not modified (except for factory-fitted extras, modifications for a disabled driver or passenger, or LPG conversions).
  • It should have no more than 7 seats (or no more than 5 seats if it’s a commercial vehicle).
  • The vehicle must have a valid MOT (if required), not be declared as SORN with DVLA, and not have been seized by the police.

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Driver Requirements

  • For a Private Car, the driver should be aged between 18 to 75.
  • For a Commercial Vehicle, the driver should be aged between 19 to 75.
  • The driver must have a current permanent address as stated in the application.
  • They should not have been refused insurance or had a policy cancelled or voided.
  • They should not have a driving ban in the last 60 months.
  • The driver should not have any conviction for a criminal offence or any possible prosecution pending.

Published January 29, 2024 by Zoe Hicks | Last reviewed February 4, 2024 by Jonathan McDonald