How to compare temporary car insurance

There are two main ways to compare temporary insurance policies:

Use a comparison website

A number of popular UK comparison websites allow you to look at temporary car insurance quotes from a range of providers. These sites let you enter your details once and receive a list of options based on the type of cover you need.

Comparison sites can be useful for getting a quick overview, but not every temporary insurer is listed on them. You may find the big names, but some newer or more specialist providers only sell policies directly.

Visit insurer websites individually

Another option is to go direct to each insurer that offers short term car cover. This takes a bit longer but gives you access to more providers, including those not listed on comparison sites. Some direct providers may offer better rates or simpler quote processes on their own websites.

It can be worth combining both approaches: check comparison sites to get a sense of the market, then see if any direct providers offer something different.

Once you start comparing temporary insurance options, here are some of the key things to keep in mind:

Type of cover

Most temporary car insurance providers in the UK offer comprehensive cover as standard. This means you're covered for damage to your own vehicle, as well as third party damage and injury. It gives you peace of mind, especially if you're borrowing someone else's car.

Some providers may offer lower levels of cover such as third party or third party, fire and theft, but these are less common with temporary policies. Always check what level of protection you're actually getting before you buy.

Length of cover

One of the main benefits of temporary insurance is flexibility. You can usually choose cover from as little as 1 hour to up to 28 days. Some providers offer longer, but you can also purchase another policy as soon as one policy runs out, meaning you can insure for much longer than 28 days with any provider if you so wish!

When comparing short term car insurance look at how easy it is to customise the length of time you need. Some insurers only offer daily policies, while others allow you to tailor the time right down to the hour.

Purpose of use

Not all policies cover the same types of driving. Make sure you select the right "class of use" when getting a quote:

• Social, Domestic and Pleasure (SDP): for everyday driving like going to the shops or visiting friends

• SDP and Commuting: includes travel to and from a regular place of work or study

• Personal Business Use: covers additional travel during work hours, such as driving to meetings or multiple work related locations

Excess amount

Excess is the amount you agree to pay towards a claim. With temporary insurance, the excess is usually fixed, unlike annual policy where you can tweak your voluntary excess payment up and down. Your compulsory excess cannot do this, as it’s a compulsory part of any claim.

When comparing policies, make note of the excess amount. A cheaper policy with a higher excess might not be the best deal if you ever need to claim.

Age and licence restrictions

Some providers only insure drivers over 21 or 25, while others offer cover from age 17 if you have a valid UK licence or provisional.

Always check the minimum age and licence requirements when comparing, especially if you're a younger or learner driver. Make sure your provider covers you and what you need to use the car for.

Vehicle types and value limits

Most temporary car insurance providers have restrictions on the type of vehicle they cover. Common exclusions include:

• Very high value cars

• Modified vehicles

• Cars used for hire and reward (like taxis or delivery work)

Make sure your car is eligible for cover before purchasing any insurance policy.