Temporary Car Insurance

Short-term car insurance designed to work around you, with comprehensive policies available from 1 to 28 days.

What is Temporary Car Insurance?

Temporary Car Insurance, also known as ‘Short-term Car Insurance’, provides you with temporary cover for driving a car. Typically, Temporary Car Insurance lasts between 1 and 28 days.

What is Temporary Car Insurance designed for?

Temporary insurance is ideal for various scenarios in which you need car insurance in place, but don’t require a full annual policy, such as:


  • Learner drivers — If you’re learning to drive, taking out a temporary policy to cover you during your lessons will probably be a lot cheaper than a full policy.
  • Short-term insurance for new drivers — If you’ve just passed your driving test, getting temporary cover is a great way to get you on the road quickly while you search for a long-term insurance policy..
  • Young drivers and students — If you’re under 21 and only drive a friend or family member’s car outside of term time, getting temporary cover in the summer months is an affordable option. Alternatively, you might consider a Young Driver’s Insurance policy.
  • Emergency car insurance — If there’s an emergency and you need to use a car, you can quickly cover yourself just for the day.

To arrange Temporary Car Insurance request a quote online

Get a quote 

How does Temporary Car Insurance work?

Temporary Car Insurance is a policy that runs separately to the main car insurance policy 

A key benefit of choosing standalone Temporary Insurance is that in the event of a claim the main insurance on the vehicle remains unaffected including any  No Claims Discount.

What does a Swinton Temporary Car Insurance policy cover?

With Swinton, you’ll get immediate comprehensive cover when you take out a Temporary Car Insurance policy. That means you’ll be covered for things like:

  • Damage to your car
  • Loss by fire or theft
  • Repairs to your car

Does Swinton provide the cover directly?

When you choose Swinton, we act as an introducer to Temporary Cover Limited who will arrange your short-term insurance.

If you click to get a quote, you’ll be directed to Temporary Cover Limited, who will arrange your quote and provide your short-term insurance policy. Their terms and conditions will therefore apply.

How long can my Temporary Car Insurance policy last for?

With Swinton, you can get short-term cover that lasts anywhere between one day to 90 days. What you choose will depend on your needs.

  • One-hour car insurance — Get cover for as little as one hour at a time. Ideal for emergency cover and test drives.
  • One-day car insurance — Take out cover for just 24 hours. Ideal for long journeys where you’ll be sharing the drive or days when you need to borrow a car at short notice.
  • Weekly car insurance — Cover yourself for a few days at a time. Ideal for road trips and learner drivers looking to increase their road time ahead of their test.
  • One-month car insurance — Get insured for up to 28 days. Ideal for borrowing a friend’s car for a short period.
  • 30-90 day Learner Driver Insurance — Learner Drivers can get up to 90 days cover to prepare for their test

If you need to stay insured for any longer than 28 days, you may benefit from one of our standard car insurance policies instead.

Temporary Car Insurance FAQs

What is the minimum age for a Temporary Insurance policy?

Though motorists over the age of 17 can get Temporary Car Insurance, most insurers only offer short-term cover to drivers aged 21 and over. 

Will Temporary Insurance affect my No Claims Bonus?

No, Temporary Car Insurance won’t affect your No Claims as long as you take it out as a standalone policy.

Can I get short-term insurance if I have points on my license?

Providers of temporary insurance prefer motorists with clean driving licences and no previous convictions. If you have points on your licence you may still be able to get a short term policy, but it may cost more.

How much does Temporary Car Insurance cost?

You can get a Temporary Car Insurance policy from as little as £8.99 for one hour.

What is NOT covered by Temporary Car Insurance?

There are a few exemptions to our Temporary Car Insurance policies, including (but not limited to):

  • Hire rental or loan vehicles
  • Vehicles used in connection with trade (e.g. taxis, couriers, and racing)
  • Impounded vehicles
  • Modified vehicles
  • Left-hand drive vehicles

Can I insure a learner driver on a short-term policy?

Yes —Temporary Car Insurance can cover a learner driver for up to 90 days. If you want to insure a learner driver for longer than 28 days, we recommend consulting our Young Drivers Insurance plans to find the right policy for you.

How long does it take to get a Temporary Insurance policy?

When you choose Swinton, you can set up short-term cover in as little as two minutes. Just let us know the vehicle type and how long you’d like it to be insured for, and we’ll do the rest

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