What is Temporary Car Insurance and how does it work?
Temporary car insurance does just what it says on the tin – provides flexible, short-term cover for drivers, either on their own car or someone else’s car. It’s a handy alternative to standard car insurance as it allows you to pay for the cover you need, rather than committing to an annual car insurance policy. Even better – there is no risk to yours or the car owner’s No Claims Discount, even if you need to make a claim.
Swinton Go! offers cover ranging from as little as one hour up to 28 days, so whether you’re running a quick errand, helping someone move, or heading away on a road trip, our short-term policies could help get you on the road and go!
Benefits of Short-Term Car Insurance
Flexibility, convenience and cost-effectiveness are all benefits of temporary insurance. It’s ideal for borrowing a car, test-driving a new motor, or heading on a work trip. With instant cover available, starting at just one hour at a time, it’s also a handy option for one-off trips or emergencies.
How long does Temporary Car Insurance cover me for?
The best thing about short-term insurance? It’s designed to cover you for exactly the amount of time you need. Swinton Go! short-term insurance ranges from only one hour, up to 28 days.
Why choose Swinton Go! Temporary Car Insurance?
- No risk to yours or the vehicle owner’s No Claims Discount – Both of your No Claims Discount remain unaffected, even if you need to make a claim.
- Flexible policies – Choose a policy length that works for you, from just one hour to 28 days.
- Comprehensive cover – Have peace of mind that you’re covered against accidents, damage, theft and injury.
- Be on the road in minutes – Just fill out a quick form, pay for your cover and you’re good to go! Your policy documents available to view anytime in My Account. Want a paper copy? We can send those too.
Who needs Temporary Car Insurance?
There are loads of reasons why you might need short term cover which is why our policies are designed to flex to your needs, these include:
- Moving house – It’s a handy option when you’re moving, with hourly and daily cover options.
- Young and occasional drivers – Back from university and need to borrow a family member's car, or simply don’t drive often?
- Emergency use – Instant cover to get behind the wheel quickly when something unexpected happens.
- Sharing the driving – Split driving duties on long journeys with instant hourly cover.
- Borrowing a car – Need to make a one-off trip or borrow a friend or family member's car? Short term cover makes it easy.
Quick heads up – we’ll ask for your driving licence number when you’re getting a quote, so you’ll need this to hand.
Types of Temporary Car Insurance
Comprehensive Temporary Car Insurance
Comprehensive temporary insurance provides the highest level of protection, covering damage to yourself, your car and a third party in an accident, as well as theft and fire damage. Swinton Go!’s temporary insurance offers comprehensive cover as standard.
What does Swinton Go! Temporary Car Insurance cover?
The specifics of your cover may vary but all of our policies are comprehensive and typically include benefits such as:
- Flexible cover from 1 hour to 28 days
- Cover for leisure, commuting, or both
- Accidental and malicious damage to the car
- Damage caused by fire, theft, or attempted theft
- Damage to another person’s vehicle or property
- Injury to another person following an accident
This summary does not describe all the Terms and Conditions of your policy, so please take the time to read the full details when you get your insurance quote.
Looking for Short Term Car Insurance as a learner?
Our friends over at Marmalade could help you get covered!
Monthly Car Insurance
Monthly Car Insurance is a type of policy that covers you when driving for up to 28 days at a time. It’s ideal for occasional drivers who are home from university and borrowing the family car, particularly as there is no risk to yours or the car owner’s No Claims Discount.
Our Monthly Car Insurance covers you for up to four weeks behind the wheel. It is fully comprehensive while being more flexible than a traditional annual policy, which means you only pay for the cover you need.
Weekly Car Insurance
If you’re likely to only get behind the wheel for a week or two at a time, an annual policy might feel like a waste - that’s where Weekly Car Insurance comes in. It is a more flexible option that allows you to get cover for when you need it.
Our Weekly Car Insurance is straightforward, with cover from one to four weeks at a time. Or, if a week is too long, we’ve got hourly and daily options too. Whichever you choose, you can get out and go in minutes!
Daily Car Insurance
Daily Car Insurance allows you to get the behind the wheel when you need to, without having to pay for an annual policy. You’ll still benefit from comprehensive cover, but with added flexibility! We offer short term cover ranging from one day at a time, up to 28 days, so whether you’re sharing a long drive or moving house, we could help you get on the road.
Frequently Asked Questions
Yes, you can! Our temporary car insurance offers cover from one hour up to 28 days, so you could take out a policy for just a week. The good thing? If you need more cover once the week is up, you can add more cover in just a couple of minutes.
The price of insurance varies based on a number of different factors, including your driving history and the car you’re insuring, so it’s hard to say how much one week’s insurance costs as it will be different from person to person. Your best bet is to get a quote online.
If you’re only looking to insure a car for one week, temporary car insurance is likely to save you money compared with an annual policy as it enables you to only pay for the cover you need.
When you take out an annual policy, you tend to be given the option of paying all in one go, or splitting your premium out into monthly payments.
With temporary insurance, your policy will be a maximum length of 28 days, so it’s not possible to pay monthly with this type of cover. Once you’ve got your online quote, you’ll pay this in full and then you’re good to go. All your documents are available in My Account, or via post if you specify.
Yes, our temporary, short-term car insurance is designed to cover you for just the time you need, from one hour up to 28 days.
Yes. If you need to borrow someone else’s car for a short period of time, our temporary insurance is a good option for getting covered. You can choose the length of time that you need, from one hour to 28 days, and there’s no risk to yours or the car owner’s No Claims Bonus.
Our temporary car insurance is suitable for drivers of any age, provided they have a full driving licence. If you’re a provisional licence holder looking for short-term cover, our friends over at Marmalade offer cover for learner drivers.
With Swinton Go!, you can get cover from as little as one hour at a time, which is perfect if you’re just running a quick errand and don’t need long behind the wheel. If your cover runs out, you can get a new policy in just a few steps.
When you take out temporary insurance through Swinton Go!, you can choose when you want to be covered and how long for, which is perfect if you only plan to drive for a weekend.
Yes, you can get a quote and take out a policy online at any time of day, any day of the week.