What is Temporary Car Insurance?
Temporary car insurance, or short-term insurance, is designed to cover you for a specific period of time – anywhere between one hour and 28 days. It can be handy for borrowing a friend’s car, sharing a long drive, or temporary business use. It’s a more flexible and cost-effective solution for drivers who only need cover for a short time, with no need to commit to an annual policy.
Find out more about Temporary Car Insurance.
What is Hourly Car Insurance?
Don’t drive often but need to get behind the wheel for a quick trip? Hourly car insurance could be a solid option. It’s similar to a standard car insurance policy but, instead of being renewed annually, you can be insured for just one hour at a time. It means you can get cover for the time you plan to be behind the wheel, without paying for longer than you need.
Our hourly car insurance is available on your own car or someone else’s, includes comprehensive cover as standard, and starts from as little as one hour. Need longer? Our Temporary Car Insurance goes up to 28 days, so whether you need hourly, daily or weekly cover, we could get you ready to go.
Benefits of Hourly Car Insurance
Hourly insurance is a smart choice for occasional drivers – here’s why:
- Flexibility and convenience – Get cover for the exact duration you need, whether it’s one hour or a few.
- Peace of mind – Our hourly car insurance policies offer comprehensive car insurance as standard, covering damages to you, your vehicle, and third parties in an accident.
- Pay for the cover you need – It could save you money versus an annual policy.
- Be on the road in minutes – Just fill out a quick form, pay for your cover and you’re good to go!
- No risk to yours or the car owner’s No Claims Discount – Both of your No Claims Discount remain unaffected, even if you need to make a claim.
- Borrow a friend or family member’s car – Get insured on your own car or someone else’s
How does Swinton Go! Hourly Car Insurance work?
It’s straightforward to get cover with our temporary car insurance policies – just fill out a form with details about yourself and the vehicle, choose when and how long you need to be covered for, then pay for your policy.
Your policy documents, including the insurance certificate, will available via My Account right away, so there’s no waiting around.
We recommend keeping a copy of the insurance certificate with you for the duration of your policy. You can also view them whenever you need in My Account and we’ll happily send paper copies if you ask us on Live Chat.
What does Swinton Go! Short Term Car Insurance cover?
Coverage Options
The specifics of your cover may vary, but all of our policies are comprehensive which means protection for you, your vehicle, and third parties, as well as accidental damage, theft and fire cover. Policies 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.
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?
- Protect the vehicle owner’s No Claims Discount – There’s no risk to the car owner’s No Claims Discount, 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 are sent right away over email, or are available to view anytime in My Account. Want a paper copy? We can send those too if you ask us on Live Chat.
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.
- Test driving a car – Hourly cover is perfect for trying before you buy when you’re shopping for a new car.
- 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.
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!
How Much Does Hourly Car Insurance Cost?
It’s hard to say. The cost of hourly car insurance can vary based on several factors including your age, driving history, vehicle type, location and driving habits. Getting a quote online is the best way to find out how much hourly insurance would cost you. It only takes a few minutes, just fill in your details and vehicle information and be provided with a quote right away.
Hourly Car Insurance or an Annual Insurance Policy?
Trying to decide whether to opt for temporary short-term insurance, monthly car insurance, or an annual policy? A good way to help you decide which is best for you is to think about how often you plan to drive.
For occasional drivers taking the odd trip, temporary cover is worth considering. Benefits include:
- Flexibility: You can arrange cover for a specific amount of time, making it ideal for short-term needs.
- Ease: It’s straightforward to take out a policy, and you can be on the road in minutes with instant cover.
- Cost effectiveness: You only pay for the cover you need, rather than for a full year, so you could save money if you’re not going to be driving frequently.
If you’re a regular in the driver’s seat, an annual policy could be more convenient as it means you’re covered whenever you need, without having to arrange cover.
Find out more about annual car insurance
Eligibility and Requirements
You’ll need to meet these requirements to be eligible for hourly car insurance:
- Hold a valid UK driving licence - we’ll ask for your licence number before providing a quote.
- Have the vehicle owner’s permission to drive the vehicle.
- Meet the provider’s age and driving experience requirements.
- Have no serious driving convictions or penalties.
How to Get Hourly Car Insurance through Swinton Go!
Getting hourly cover through Swinton Go! is simple. Just follow these steps:
- Get a quote online – Click to get a quote, it only takes a couple of minutes
- Enter your details – You’ll be asked for information such as your driving licence number and vehicle registration.
- Choose the duration – Select the length of your policy, from one to 12 hours. Need longer? Get temporary cover for up to 28 days.
- Pay for your policy: Complete the payment and access your policy documents via My Account right away.
FAQs
Yes, with our temporary car insurance you can choose how long you need to be covered for with options ranging from one hour up to 28 days.
The price of car insurance varies based on your individual circumstances, including your driving history and the vehicle you’re driving. Getting a quote online is the quickest and easiest way to find out how much it could cost for you.
Yes, you can! We offer cover options from as little as an hour at a time. If you need to add more cover, taking out another policy only takes a couple of minutes and you can be back on the road right away.
The time your temporary insurance expires depends on the length of policy you selected and what time you took the policy out. Your policy documents will contain all the information you need on your cover, make sure to give these a read through so you know when your insurance expires. They’re available anytime via My Account and we can also send these via post if you need.
Our hourly car insurance is available for full UK licence holders. You must meet the provider’s age and driving experience requirements and have no serious driving convictions or penalties. If you’re borrowing someone else’s car, you need to have the owner’s permission.