specialized for vehicle insurance
Temporary insurance is a highly flexible solution designed to meet your short-term coverage needs. Whether you’re borrowing a car, test-driving a vehicle, or need immediate protection for a new purchase, temporary car insurance can provide tailored cover for as little as a single day, extending up to several months.
How long will you need it?
Need it specific? Choose your duration
Temporary insurance allows you to drive on the go quickly and conveniently
Temporary car insurance is a short-term, flexible policy that provides fully comprehensive cover for driving a vehicle in the UK, ranging from one hour to 28 days. Ideal for situations like borrowing a car, test-driving a new vehicle, or covering a short trip, it offers the same protection as an annual policy without the long-term commitment. With Limitless Cover, young drivers, couriers, and those with convictions can quickly secure affordable insurance tailored to their needs, with instant quotes and hassle-free activation through our online platform.
Temporary vehicle insurance in the UK is a straightforward way to get short-term coverage for driving needs. To set it up, visit an insurer's website and enter details like your name, driving history, and the vehicle’s registration number. Select your coverage period, from one hour to 28 days, and review the instant quote provided. After confirming your details and making payment online, the policy activates instantly, with digital documents sent via email. This fully comprehensive cover suits young drivers, couriers, or anyone needing quick insurance, including those with convictions, without long-term commitments.
Don’t know the vehicle reg? No problem, narrow down the car by make, model and variant.
Select which date you would like to start and let us know whether you need for an hour or weeks.
Let us know some details to help us offer the best quote we can.
Once paid, visit your member portal and collect your insurance documents.
Damage to your vehicle up to £100k
Damage to third party property up to £2m
Social domestic and pleasure (SDP), commuting, class 1 business use and carriage of own goods
Fully comprehensive insurance on policies from 1 hour to 28 days
£150 for a child seat
Driving in the EU, plus Andorra, Iceland, Liechtenstein, Norway, Serbia and Switzerland. This is third party cover only (which covers damage to the other person's car), and policies must start and end in Britain
Insuring rental cars
Putting the wrong type of fuel in your car
Impounded car release
Driving vehicles under fleet policies
Racetrack or rally day driving
If the car is stolen with keys left in the ignition
Someone else driving your car uninsured
Limitless Cover collaborates with a panel of insurers to offer comprehensive car insurance coverage. As a result, the full details of your cover may vary based on your chosen insurer. With our impound car insurance policies lasting 30 days, you’ll enjoy the flexibility to decide your car’s next step after recovery - whether selling it, declaring it SORN, or returning it to the road. Please review the policy wording carefully before purchasing.
It couldn't be simpler get a short term insurance policy. You can buy a policy online anytime you need it, and with our straightforward quote process, you can get a price in under 2 minutes!
How long will you need it?
Prices based on the averageprice 19,765 policies for the displayed durations (January 2025)
Get fully comprehensive cover on our standard short term policies - plus it won't affect your no claims discount
Choose the duration you want with 1-12 hour and 1-28 day cover available - don't pay for cover you don't need
Customise your policy to suit your specific situation - get the policy you want and even choose the minute you want your policy to begin
Want to check eligibility criteria for temporary car insurance? Here's everything you need to know:
For full UK driving licence holders, you'll usually need to be aged 17-70 to use Limitless Cover, and have held your licence for over a day if you're a newer driver
If you're a provisional licence holder you'll need to be aged 17-50 and not have held your licence for over 15 years
To use Limitless, you can either use a UK licence or use a full driving licence from Belgium, Bulgaria, France, Germany, Greece, Italy, the Netherlands, Poland, Portugal, the Republic of Ireland, Romania, Spain, Sweden, or Switzerland or any other foreign country
Be at most 60 years old (if you're driving a car on a full licence) or at most 40 years old (for learner licences, or vans)
Be worth less than £300,000 (cars), or be worth less than £200,000 (vans/commercial vehicles)
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
Temporary car insurance provides short-term, fully comprehensive cover for driving needs in the UK, ranging from one hour to 28 days. It’s perfect for borrowing a car, test-driving a vehicle, or occasional use without committing to a long-term policy.
Visit our website and input your details, including your name, driving history, and vehicle registration number. Choose your coverage period (from one hour to 28 days), review your instant quote, and pay online. Your policy activates instantly, with digital documents emailed for immediate use.
Drivers aged 17 and over with a valid UK driving licence can apply. We cover young drivers, those with convictions, and even learners (protecting the car owner’s no-claims discount). The vehicle must have a valid MOT, but you can get cover to drive to an MOT appointment.
Our temporary insurance is fully comprehensive, covering damage to your vehicle, third-party vehicles, and injuries in an accident. Optional add-ons like excess reduction or legal expenses cover are available to tailor your policy. Note that commercial driving or deliveries are excluded unless specified.
Due to the short-term nature of our policies, changes or full refunds after purchase aren’t possible. You can cancel by contacting us, but refunds may be partial depending on the policy duration. Always double-check your details before purchasing.
Yes, we provide cover across Europe and the United Kingdom for our temporary insurance exclusively. Here is the full list: Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland (including Liechtenstein)
If your vehicle’s MOT expires during the policy, coverage ceases immediately. You can purchase a new policy to drive to an MOT test centre, but the vehicle must be roadworthy at the start of the policy. Check your MOT status before insuring.
Yes, you must have the car owner’s permission to insure their vehicle. We may request confirmation during the quote process to ensure compliance with UK laws and protect all parties involved.