Life isn’t predictable and sometimes you need car insurance in a hurry. Spending ages filling out forms for an annual policy just isn’t an option.
Enter: emergency car insurance.
It’s super-fast to organise and starts instantly - perfect for when life doesn’t go exactly to play. Here’s all you need to know
Emergency car insurance is technically just temporary car insurance. You can get ultra short-term cover for as little as an hour, to as long as 28 days.
Short-term cover is a good option in emergencies because you can take it out quickly and with minimal fuss – ideal for when you’re in an unexpected situation where you need cover fast. Like if:
Here’s some more information about insuring a car you don’t own.
If you need to get temporary car insurance in an emergency, you can head straight to an insurer’s website or app.
It should be really easy to apply for the insurance, you’ll just need to fill out a few details about you and the car you want to drive.
Cheeky self-promo 👉 The Cuvva app lets you sort short-term cover in minutes and you can manage everything from your phone, like extending your insurance if you need to.
Whoever you’re getting a quote off, you’ll likely need to give this information:
There’ll be some criteria you have to meet to get the insurance, too (just like with normal car insurance). Like:
No, there’s never a time when you can legally drive without car insurance – unless the only place you’ll be driving is on a private road with no public access.
This might seem unfair if the situation is really urgent 😔 – but there are no allowances for emergencies.
If you get caught driving without at least third-party insurance, you could get a fixed fine of £300 and 6 points on your licence.
Or, if the case goes to court, you could get disqualified from driving and also get an unlimited fine.
(A case would go to court if you didn’t accept the fixed fine and points. It would also go to court if the 6 points took your points level up to 12 points or more.)
Yep – you can get temporary car insurance that starts straight away (like Cuvva's - you can also book ahead). One of the main ideas behind short-term car insurance is that it can be used in emergencies when time is of the essence.
As soon as you’ve bought your insurance you can get on the road immediately, knowing you’re covered.
Here's a little more about quickly sorting car insurance for one hour:
Just like normal car insurance, emergency car insurance varies in price from company to company. Plus, any price you get will be based on your unique situation.
Insurers work out their prices by looking at lots of different things, like your age, the car you want to drive, where you plan on driving it, and even your job.
It’s all about working out how ‘risky’ you are to insure by looking at how many claims people ‘like you’ make. Here’s what 1 hour of emergency cover might cost
To give you a rough idea about emergency car insurance costs, here are Cuvva’s most-popular 1 hour car insurance policy prices:
Most temporary car insurance policies (Cuvva’s, for example) are fully comprehensive. But it’s worth double checking, just in case.
If a policy only gives you third-party, fire and theft cover, only other people and their cars will be protected if you have an accident that’s your fault. If it’s fully comp, you and the car you’re driving will be protected, too.
Well, it might sound like emergency insurance but emergency vehicle insurance is something completely different.
Emergency vehicle insurance is insurance for actual emergency vehicles – like ambulances.
This is worth noting because sometimes when you search for emergency car insurance online you might get some results for emergency vehicle insurance thrown up. Which is definitely not what you need if you’re looking to insure a car in an emergency!
If you need normal emergency insurance, you can get a quote in just minutes.