Need a car for a few weeks? Get fully comprehensive 30-day cover in your own name, with no annual contract and no risk to the owner’s No Claims Discount.
Monthly car insurance gives you up to 30 days of temporary cover on a specific car. It’s designed for longer stretches when you need a vehicle but don’t want – or don’t need – an annual policy: a summer at home, an extended stay with family, a long repair on your own car or a few weeks between cars.
Choose the exact start time and length of cover, up to a maximum of 30 days per policy.
Cover is separate from the owner’s annual insurance, so a claim won’t affect their policy or No Claims Discount.
Comprehensive cover as standard, with documents emailed instantly and details uploaded to the MID.
Yes. If you need a car for several weeks, you can take out 1 month car insurance in the UK as a short-term policy rather than committing to a full year. With Insure Car Cover, a single temporary policy can last up to 30 days, and it ends automatically at the date and time shown on your certificate.
It’s worth knowing that “monthly car insurance” is also used to describe paying for an annual policy in monthly instalments. That’s a different product: you’re still signed up for 12 months, often through a credit agreement. Temporary 30 day car insurance is genuinely short-term – you pay once for the period you choose and there’s no ongoing contract.
A month of temporary cover suits situations that are too long for a day or weekend policy, but where an annual policy would be wasted. Common examples include:
Because the policy is in your name and standalone, the vehicle owner doesn’t have to change their own insurance. If there’s a claim, it’s made on your temporary policy, so their No Claims Discount is protected.
Prices are personal to you. Your quote reflects your age and driving experience, any claims or convictions, the car’s make, model, value and insurance group, where it will be kept and the number of days you choose. A longer policy will generally cost more in total than a shorter one, so pick the length of cover you actually need.
If you expect to drive the same car regularly for many months, compare an annual policy as well. Temporary cover is built for flexibility and occasional use; for long-term everyday driving, an annual policy is usually the more suitable option. The quickest way to see your temporary price is to get a quote online, which takes a couple of minutes.
Your cover ends at the exact date and time on your certificate. There’s no automatic renewal, so you won’t be charged again – but it also means you must not drive the car after the policy expires unless you have other valid insurance.
If you need more time, you can apply for a new policy before the current one ends, subject to eligibility and underwriting acceptance. Set the new start time so it begins before the old cover finishes and you’re never uninsured. Driving without insurance can mean a £300 fixed penalty and 6 points on your licence, or an unlimited fine and disqualification if the case goes to court, and police can seize the vehicle.
Our temporary policies are fully comprehensive, covering damage to the car you’re driving, fire and theft, and your liability to other people and their property, subject to the excess, terms and exclusions in your policy wording.
Cover is for social, domestic and pleasure use in Great Britain. It doesn’t extend to business use, food delivery or hire and reward. The car must be UK registered and you’ll need the owner’s permission to drive it. Once you’ve bought your policy, your documents are emailed instantly and your details are uploaded to the Motor Insurance Database.
Yes. You can buy a temporary policy that lasts up to 30 days, covering you to drive a specific UK-registered car. It’s a standalone policy in your name, and eligibility criteria apply.
No. Paying monthly usually means spreading the cost of a 12-month annual policy over instalments. Temporary 30 day cover is a one-off policy that lasts only for the period you choose, with no ongoing contract.
It depends on your personal details, driving history, the car and where it’s kept, and the exact number of days you choose. The quickest way to find out is to get a quote online, which takes a couple of minutes.
Yes. Once your policy is live it’s uploaded to the Motor Insurance Database, and a car must show as insured before it can be taxed. The car will also need a valid MOT if it requires one.
A single policy can’t run for longer than 30 days, but you can apply for a new policy before your current one ends, subject to eligibility. Make sure the new cover starts before the old one finishes.
No. Because it’s a separate policy, any claim is made on your temporary cover rather than the owner’s annual insurance, so their No Claims Discount is unaffected.