Temporary car insurance

From 1 hour to 28 days

Short-term car insurance for hours, days or weeks

9 million+ policies sold
2 million+ cars insured
3.5 million+ app downloads

What is temporary car insurance?

Temporary car insurance is an easy way to share a long drive, or borrow someone's car, without needing to be added to the owner’s policy.

It’s [fully comprehensive cover](https://www.cuvva.com/how-insurance-works/comprehensive-insurance) for when you need your own insurance policy fast. You can get temp cover for as little as 1 hour, and sign up in less than 5 minutes. It’s a good short-term alternative to being added as a named driver. Whether it's car insurance for an [hour](https://www.cuvva.com/car-insurance/temporary/1-hour), a [day](https://www.cuvva.com/car-insurance/temporary/1-day) or longer, you'll only pay for what you need.

There’s no waiting around for days for the [policy documents](https://support.cuvva.com/en/articles/89962-where-can-i-view-my-policy-documents-and-my-receipt) to arrive in your post, it’s all sorted on your phone instantly.

Plus, if the worst happens and there is an incident, the vehicle owner’s no claims bonus will be protected.

Short-term, flexible car insurance from Cuvva

Buy a policy in minutes
Extend instantly if you need more time
Policies from 1 hour to 28 days, all sorted via the app
Policy docs sent to your phone
No deposits, interest, tie-ins or credit checks
Peace of mind
Peace of mind
Fully comprehensive cover
Highest category of insurance available
Car owner's no claims bonus is protected
Cover for damage to the vehicle, damage to other people’s vehicles, personal injury plus more
[Breakdown cover](https://support.cuvva.com/en/articles/8167008-breakdown-cover)
Insurance for all
Insurance for all
[Learner driver insurance](https://www.cuvva.com/car-insurance/learner-driver) to nail those manoeuvres
[Temporary van cover](https://www.cuvva.com/car-insurance/temporary-van-insurance) to lighten the load
[Test drive insurance](https://www.cuvva.com/car-insurance/temporary/test-drive) before you buy
[Drive away insurance](https://www.cuvva.com/car-insurance/temporary/drive-away) for new cars
[Borrow a car](https://www.cuvva.com/car-sharing/borrow-a-car) or [lend out your own](https://www.cuvva.com/car-sharing/lend-a-car)

How does temporary car insurance work?
Temporary car insurance is short-term cover that can be used to borrow someone else’s car, lend your own, or get a new car home from the dealership before sorting an annual policy. It’s separate from the car owner's annual policy, and there are no deposits, interest or credit checks. You just pay up front, then you’re free to drive when your cover starts.
Unlike adding a [named driver](https://www.cuvva.com/how-insurance-works/named-driver) to an existing policy, a temporary policy protects the vehicle owner's no claims bonus in case of an accident. It’s also much quicker to sort, and could be much cheaper too, depending on how often you need to drive.
Heads up, though: you won’t be able to work towards a no claims bonus from a temporary car insurance policy.

How long does temporary car insurance last?

Hourly insurance
Hourly insurance
Hourly car insurance is perfect for the morning milk run, moving a car, sharing a long drive, test driving a car or driving one home from the dealership.
Daily insurance
Daily insurance
Daily car insurance is great for when you’re [moving house](https://www.cuvva.com/how-insurance-works/using-temporary-car-van-insurance-to-move-home), need full coverage without a current annual policy, or for those all-important trips to IKEA.
Weekly insurance
Weekly insurance
Weekly car insurance could suit when you’re borrowing a car or van regularly. Perfect for using your parents’ when visiting home, [sharing a car](https://support.cuvva.com/en/articles/5814528-car-sharing-insurance) on campus or even driving the [North Coast 500](https://www.northcoast500.com/).

What's included, and eligibility criteria

You get the highest level of cover on temporary car insurance - fully comprehensive, just like you would with an annual policy.

What you’re protected against
Damage to your vehicle up to £40k
Damage to third party property up to £2m
Your legal liability to other people arising from an accident
Attempted theft
Fire damage
[Carriage of own goods](https://support.cuvva.com/en/articles/89933-can-i-use-cuvva-cover-for-my-business) business use - for vans as well as cars
Up to £400 for after-fit audio equipment and £100 for your things
Driving after 10pm
Who is eligible for temp cover
For full licence holders, you’ll need to be aged 19-70 to use Cuvva. If you’re under 21, you’ll need to have held your licence for at least 1 year
If you’re a provisional licence holder you’ll need to be aged 17 - 40 and not have held your licence for over 5 years
A GB licence holder (that means issued in England, Scotland or Wales)
There’s not a fixed number of accidents, [claims](https://www.cuvva.com/how-insurance-works/car-insurance-claims-explained) or [licence points](https://support.cuvva.com/en/articles/2614434-how-licence-points-affect-your-car-insurance) that would stop you from insuring with us
Your car or van must
Be under 20 years old
Cars need to be worth less than £60,000
Vans/commercial vehicles must be worth less than £40,000
Meet our modification rules. We accept lots, including any to aid a disability, but there are some we can't insure
Meet our insurance group requirements
Not be scrapped or [impounded](https://support.cuvva.com/en/articles/5904217-impounded-vehicles) temporarily
Not be a company car, a hire car or a vehicle on a fleet policy

How to get temporary car insurance fast

Get insured and on the road in less than 5 minutes.

Get started on the app
It just takes a few clicks
Find your car
Enter your registration plate
Check your cover and pay
Get cover from as little as 1 hour up to 28 days
Extend whenever you need
If you need more time than you thought

Temporary car insurance alternatives

• Getting added as a named driver. This can be a cost effective way to get temp cover, though you could be at risk of illegal ‘fronting’ (when the named driver is actually the main driver). It also doesn’t protect the car owner’s no claims bonus in case the named driver was to have an accident. Both of these problems are avoided with temporary car or van insurance.

• Some people have also tried cancelling their annual policy within the 14-day 'cooling off' period as a way to game the system and drive a car temporarily. This isn't a great idea, as your details will already have been passed to the Motor Insurance Database and it may make some insurers less likely to insure you in the future - for annual or temporary policies.

man looking at phone

Multi-driver temporary coverage

Whilst you can’t get two people on one temporary car insurance policy, if you refer a friend and they sign up to a short-term policy (e.g. a day's car insurance), you'll both get £10 worth of discounts on a future policy. You can use the discount to save money on any of our temporary car insurance products, including learner driver insurance.

To refer someone in the app, tap the ‘Friends’ icon at the bottom of the screen. Then copy and share your referral link, or simply use the ‘invite’ button.

You can refer as many friends as you want, as long as they're brand new to Cuvva.

two women in car looking at each other

Other forms of temporary car insurance

Learner driver temporary insurance
Learner driver temporary insurance
Hourly car insurance for learners driving with a provisional licence
Up to 6 hours within a 24 hour period between 9am and 8pm
For driving someone else’s or your own car with a supervisor
Extensions in the app instantly
Temporary van insurance
Temporary van insurance
Hourly, daily, or weekly van insurance for commercial vehicles
Payouts up to £20,000 for accidents, theft, attempted theft, or fire damage
Carriage of own goods business use

Why Cuvva is faster and easier

Enjoy a better experience.

Notification reminders
Know when your policy is ending
Apple Pay support
For fast, secure payments
Licence scanner
Get your temporary insurance set up at the speed of camera
World beating customer service
Get an average 1 minute human response in the app

Other temporary car insurance common questions

Can I get temporary car insurance when moving house?
Got your eye on your mate’s van or big car to help you [move home](https://www.cuvva.com/how-insurance-works/using-temporary-car-van-insurance-to-move-home)? You can use Cuvva to insure it from 1 hour to 28 days to help carry the load. Our car and van insurance includes class 1 business insurance, plus carriage of own goods cover. Bear in mind if you’re using a hire van, this usually includes insurance of its own - although the level of coverage might vary based on the supplies. Cuvva is always fully comprehensive.

Any questions?

Forget automated replies and chatbots! Our customer support team is made up of real people - get a response in minutes. We’re on hand between 9am to 9pm every single day. If you have any questions about our short-term car insurance, let’s have a chat.

customer support staff smiling

Already have a temporary car insurance policy?

Get advice and answers from the Cuvva team on all of our short-term car insurance policies, payment queries, privacy concerns and much more.

temporary car insurance policy with 12 hours left on phone

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