The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

NimbleFins Guide to Short Term Car Insurance Providers

Whether you’re borrowing a friend’s car or want to share driving on a road trip, short-term car insurance is ideal for all sorts of reasons. But with so many options, finding a policy can be time consuming. Here, we take a look at where you can find short-term cover so you can find a policy that suits you and your needs.

What's in this guide

Who offers what short-term cover at a glance

The team at NimbleFins has ranked short-term car insurance providers according to which have the best combination of cheapest premiums, accepted age range and best Trustpilot rating—because price, accessibility and customer experience are some of the factors that motorists care most about when buying car insurance. According to these metrics, Veygo is arguably the best short-term car insurance provider in the UK.

The table below also includes information on policy durations, excess, allowable car values and distinctive policy features. Use this information to help you compare short-term car insurance and choose the best policy for your needs. Note: the costs in the table reflect the cheapest price we found for each duration by provider.

RankNameBroker/insurerPolicy durationAge limitTrustpilot Rating1 hour8 hours1 day7 days28 daysExcessMaximum car valuePoint of difference
1VeygoInsurer1 hour to 60 days17-754.2£5.46£9.84£16.63£45.43£131.90£750Won't cover cars more than 30 years oldShort-term cover from established insurer (Admiral)
2DayInsureBroker1 hour to 30 days18-754.7£16.16£25.19£25.19£72.17£144.61£350£60,000Also offer short-term business car insurance
3tempcoverBroker1 hour to 28 days18-784.6£16.94£23.92£28.92£87.70£220.20£500£65,000Car, van, motorbike, motorhome short-term cover
4GoShortyBroker1 hour to 28 days18-754.8£19.80£25.12£33.82£77.79£216.79£500£65,000Work with a wide range of insurers
5SafelyInsuredBroker24 hours to 28 days19-753.1N/AN/A£19.72£65.49£189.83£100£60,000Cheapest excess
6CuvvaBroker1 hour to 28 days19-654.5£7.32£18.40£21.85£74.35£308.95Based on quote£40,000App-based platform

How do I choose the right short-term cover?

If you need short-term cover, it’s probably because you have a specific need. For instance, if you’re borrowing your parents’ car during the holidays, you might need temporary insurance for a few weeks. Alternatively, if you’re test driving a car from a private seller, you probably only need insurance for an hour or two.

While you can get short-term cover for as little as one hour, not everyone offers this so check what’s available. Some providers also offer extra features, for example, breakdown cover. So, if you’re borrowing a car for a long journey, that’s an option worth considering too.

The majority of insurers will set a limit on the value of cars they’re willing to insure. The cap is set fairly high so unless you’re wanting temporary cover for a particularly pricy vehicle, this shouldn’t be a problem. Another point to note, is that most short-term policies only provide comprehensive car insurance so if you’re adamant you only want third party cover, you could struggle to find a plan.

It’s also worth knowing that if you’ve modified your car for cosmetic or performance reasons, your choices could also be limited. Most insurers will only provide short-term cover for cars that have been modified to aid disability.

Who is eligible for short-term car insurance?

Insurers set their own terms and conditions and some short-term policies come with age restrictions (typically you must be between 18 and 75). Nevertheless, thanks to the number of insurers and brokers on the market, you shouldn’t have too much trouble finding temporary cover of you’re outside that age range. Alternatively, you may end up paying a slightly higher than average premium.

The only time you might be limited on choice is if you have penalty points or have been disqualified from driving.

You can read more about who can buy short-term car insurance here.

Who offers short-term car insurance?

You can buy short-term car insurance from an insurance broker or directly from an insurer. It’s entirely up to you where you buy your policy from but just remember that if you buy a policy from a broker, you’ll often need to make your claim directly with the insurer that issued the policy, not the broker you bought it from. Although, some independent brokers do offer a claims processing service.

To help you find the right short-term cover for your needs, we’ve rounded-up a selection of brokers and insurers to choose from.

Cuvva

Consider this if you like using technology and want quick and flexible short-term car cover.

Who are they? Cuvva is an app-based car insurance broker which set out to ‘disrupt’ the market by offering a pay-monthly subscription service, as well as short-term cover. Their aim is to put customers in control of their policies, ensuring that you only pay for what you need, when you need it.

As a tech-based platform, Cuvva operates exclusively online and does not have a telephone helpline. If you need to contact them you’ll have to use the app, send an email or go to the website and click on the live chat option.

What short-term cover can I buy? You can buy cover for as little as one hour up to 28 days.

Who do they cover?

  • Drivers aged between 19-65 who hold a full UK driving licence. If you’re under 21, you’ll need to have held your full licence for at least 13 months.
  • Provisional licence holders aged between 17-40 are eligible for learner driver insurance. However, if you’ve had your provisional licence for more than five years, Cuvva won’t be able to offer you a policy. You must also be supervised while driving (regardless of your age) by someone at least 25 years old.

How do I buy short-term cover? You’ll need to download the Cuvva app and create an account. Enter your car registration number and choose a policy based on duration. Check your details and pay. It’s a straightforward process in principle but you’ll also be asked for proof of identity and also a picture of your car (so it can be checked for modifications).

What do people say about them? Cuvva scores 4.5 out of 5 on Trustpilot based on more than 1,000 reviews, 86% of customers rate them ‘excellent’. However, a number of customers were very disgruntled, mainly to do with cost (citing that Cuvva were expensive) or problems with the app (such as policy set up). Communication issues also appear to frustrate customers as you can’t speak to anyone on the phone.

Consider Cuvva if… you like using technology and want quick and flexible short-term car cover.

Key takeaways

  • Almost immediate short-term cover.
  • Flexible short-term cover from as little as one hour.
  • App-based platform, no telephone helpline.
  • Some customers consider them expensive.
  • Does not insure any type of modified car.

DayInsure

Consider this if you want well-priced short-term car insurance with the option of breakdown cover. DayInsure can also cover cars with some modifications – including any that have been adapted for disability, have a fitted towbar or are LPG conversions.

Who are they? DayInsure has been around since 2005. As an insurance broker, they specialise in short-term motor insurance policies which are predominantly underwritten by Aviva, but they use a couple of other underwriters too. As with all brokers, if you need to make a claim, you’ll need to contact the insurer directly—details will be on your policy.

What short-term cover can I buy? You can buy comprehensive short-term cover for as little as one hour up to 30 days.

Who do they cover?

  • Drivers aged between 18-75.
  • Learner drivers aged between 17-35.

How do I buy short-term cover? You’ll need to fill in a short form with your name, address, driving licence number and occupation. You’ll also need to provide your car details. Then, choose how long you want the policy for and its start date.

At this point you can also opt for extras – including daily breakdown cover. When you’ve made your selection, you’ll be given a quote which you can buy there and then. If everything goes to plan, DayInsure reckon you could be covered and ready to go in just 15 minutes.

What do people say about them? DayInsure score 4.7 out of 5 on Trustpilot based on more than 45,000 reviews with 86% of customers rating them as ‘excellent’. In particular, customers like DayInsure’s easy to use website and efficient service. Policyholders also praise them for ‘reasonable’ and ‘good’ prices.

Just 2% of customers rate their service as ‘bad’ with these comments centred around website issues (freezing or not processing). Some customers also felt quotes were expensive compared to their expectations.

Consider DayInsure if… you want well-priced short-term car insurance with the option of breakdown cover. DayInsure can also cover cars with some modifications – including any that have been adapted for disability, have a fitted towbar or are LPG conversions.

Key takeaways

  • Fuss-free short-term comprehensive car insurance at reasonable prices.
  • Breakdown cover also available as an added extra.
  • Majority of policies underwritten by leading UK insurer, Aviva (although check your policy documents as a couple of underwriters are used).
  • Option to extend your policy for ‘My Account’ users only (you’ll need to sign up to the app to access this).

GoShorty

Consider this if you need immediate cover or if you have an EU/EEA driving licence. Bear in mind that if you do have an EU/EEA driving licence, you must be resident in the UK for at least 12 months.

Who are they? Insurance broker GoShorty officially launched in November 2021 after a soft launch 12 months previously. However, they’ve already established themselves as short-term insurance specialists which is no mean feat in such a competitive market.

What short-term cover can I buy? You can buy comprehensive short-term cover for as little as one hour up to 28 days.

Who do they cover?

  • Drivers aged between 18-75 (if you need cover for commercial purposes, you’ll need to be aged between 21-75).
  • Drivers must have held a full UK, European Union (EU) or European Economic Area (EEA) licence for at least six months or three months if you’re over 25 years old.
  • Learner drivers aged between 17-25.

How do I buy short-term cover? To start a quote, just fill in your details online and specify the length of the policy you need including the start date. Your quote will be automatically generated and if you’re happy with it, you can buy it straight away.

What do people say about them? GoShorty is rated 4.8 out of 5 stars on Trustpilot based on more than 1,200 reviews. An overwhelming majority (90%) of customers rate GoShorty as ‘excellent’. Customers commented on the easy-to-use service, its efficiency and how competitive their quotes were.

Not all policyholders were of the same opinion and a small minority (2%) rated GoShorty as ‘bad’. Issues seem to arise from the transfer of information from GoShorty to AskMID, which is a database that records all insured cars. Some customers had said they’d been accused of driving without cover when it could be that the AskMID database hadn’t been updated (and ultimately not within GoShorty’s control).

Consider GoShorty if… you need immediate cover or if you have an EU/EEA driving licence. Bear in mind that if you do have an EU/EEA driving licence, you must be resident in the UK for at least 12 months.

Key takeaways

  • Short-term comprehensive car, van and learner driver insurance available at reasonable prices.
  • Also available to EU/EEA licence holders.
  • Strong focus on customer service with 100% of negative reviews replied to (as well as the positive ones).

SafelyInsured

Consider this if you’re looking for a very low excess (SafelyInsured offered the lowest of all the platforms we got quotes from).

Who are they? SafelyInsured (previously known as Sky Insurance) is an insurance broker offering specialist policies, including temporary insurance.

What short-term cover can I buy? You can buy comprehensive short-term cover for one day up to 28 days.

Who do they cover?

  • Drivers aged between 19-75.
  • Learner drivers aged 17 years and over.

How do I buy short-term cover? You’ll need to fill in a form (just five questions) and based on your answers, SafelyInsured will collate a number of suitable options. If you like the look of any of them, it’s up to you to contact the provider directly.

What do people say about them? SafelyInsured scores 3.1 out of 5 stars on Trustpilot, however that’s based on just 22 reviews. Under their previous name Sky Insurance, they scored slightly higher (3.9) based on 706 reviews.

Feedback is mixed. Under the name SafelyInsured, nearly half (45%) rate the broker as ‘bad’ (compared to 41% who rate them as ‘excellent’). Under Sky Insurance 9% of customers rated them ‘bad’ and 79% ‘excellent’. Poor feedback centres on additional charges, specifically cancellation fees.

Consider SafelyInsured if… you’re looking for a very low excess (SafelyInsured offered the lowest of all the platforms we got quotes from).

Key takeaways

  • Short-term comprehensive car cover available from one day to 28 days.
  • Website places focus on bespoke insurance needs.

tempcover

Consider this if you’re looking for choice. As a broker, tempcover work with a good selection of providers in order to cater to a wide range of needs.

Who are they? tempcover is an insurance broker specialising in short term vehicle insurance for cars, vans, motorbikes, and motorhomes. You can also find temp cover if you’re a courier.

What short-term cover can I buy? You can buy comprehensive short-term cover for as little as one hour up to 28 days.

Who do they cover?

  • Drivers aged between 18-78 years old who hold a full UK or EU driving licence. You’ll also need to have been a permanent UK resident for the last 12 months or be a British expatriate.
  • Learner drivers aged between 17-27 who hold a provisional UK driving licence. You’ll also need to have been a permanent UK resident for the last three years.

How do I buy short-term cover? Enter the car registration and specify the duration of cover you need. You’ll then be asked to fill in a form with details including your name, address and contact details. From there, tempcover will generate suitable quotes and send them to your specified email address where you’ll be able to choose a policy that suits you.

What do people say about them? tempcover scores 4.6 out of 5 stars on Trustpilot based on almost 21,000 reviews. A significant majority (82%) rate their provision as ‘excellent’ compared to 4% who rate them as ‘bad’.

Most customers say the site is easy to use and that available cover is reasonably priced. Negative feedback is mainly about cost where some policy prices have exceeded expectations. However, tempcover has responded to 99% of negative reviews.

Consider tempcover if… you’re looking for choice. As a broker, tempcover work with a good selection of providers in order to cater to a wide range of needs.

Key takeaways

  • Short-term comprehensive insurance available on a range of vehicles (cars, vans, motorbikes, and motorhomes).
  • Also available to EU licence holders.
  • tempcover work with a panel of eight different insurance providers, catering to a range of needs.

Veygo

Consider this if you’re looking for short-term cover from an established provider.

Who are they? Veygo is a specialist provider offering short-term car insurance (including short-term learner driver cover). They’re part of the Admiral Group which means all Veygo’s policies are also underwritten by Admiral.

What short-term cover can I buy? You can buy comprehensive short-term cover from one hour up to 60 days.

Who do they cover?

  • Drivers aged 17 and 75 years old who hold a full UK driving licence. If you’re aged between 17 and 21 and want short term cover on your own car, you’ll need to have held your full licence for at least six months (no minimum if you’re borrowing a car).
  • Provisional licence holders are eligible for Veygo’s short-term learner driver cover, available for an hour up to 180 days (no ages specified).

How do I buy short-term cover? You can buy short-term cover in just a few steps. Enter your car registration, answer a few questions and get a quote. If you like what you see, you can pay online and then get behind the wheel.

What do people say about them? Veygo score 4.2 out of 5 on Trustpilot based on 333 reviews, with 66% of customers rating them as ‘excellent’ and 23% rating them as ‘bad’.

Most customers commented favourably on the speed of quotes and how easy and simple the overall purchasing process was. Numerous comments also mentioned they were extremely good value compared to other providers. A number of negative comments stemmed from time wasting as potential customers filled in the quote form only to have their applications turned down.

Consider Veygo if… you’re looking for short-term cover from an established provider.

Key takeaways

  • Flexible short-term cover from a leading UK insurance brand.
  • Available for up to 60 days so ideal if you need to borrow a car for a while.
  • Some policies attract a very high excess (£750).
  • Offers a no claims bonus if you drive for 30 days in a 12-month period and stay claim free (only applies to other Veygo temporary policies and cannot be transferred to standard annual insurance).

Methodology

We gathered quotes for short-term insurance for the purpose of borrowing someone else’s car. Our driver profile was based on someone in their 40s with more than five years of no claims, living on the outskirts of London. The car used was a five-year-old Ford Fiesta.

Comments

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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