Temporary Car Insurance
Borrowing a car, sharing the driving or taking a trip for work? Temporary car insurance is an easy, flexible way to get short term cover. You can be on the road within 15 minutes.
Temp cover gives you the flexibility to pay only for the time you need – whether that's one hour, day insurance, or one month insurance. If you’ve only paid for a day and need more, no problem. You can top up instantly online to get up to 30 days. Temporary car insurance can be taken out alongside an annual policy. The vehicle owner's No Claims Discount won’t be affected if you make a claim.
Say hello to flexible short term car insurance from the RAC
How does Temporary Car Insurance work?
Temporary car insurance is a flexible type of short-term insurance. It allows you to drive a car for a short period of time, without needing to take out an annual insurance policy. Our short-term car insurance policies provide comprehensive cover from as little as 1 hour up to 30 days of monthly car insurance at a time.
So, you can borrow a car, or share the driving on a long trip. It only takes a few minutes to apply and you can manage your policy online 24/7. Add more hours or days as you need them. There’s no annual contract, so when the policy expires that’s it.
Can I get Temporary Car Insurance on a friend's car?
You can use temporary car insurance to borrow a friend’s car. It means they don’t have to pay more to add you to their policy. If you need to make a claim, their Protected No Claims Discount won’t be affected either.
|Hourly car insurance||Day car insurance||Weekly car insurance|
|1 hour £16.02||1 day £28.45||1 week £92.58|
|2 hours £16.84||2 days £45.02||2 weeks £122.83|
|3 hours £19.75||3 days £57.57||3 weeks £161.02|
|4 hours £22.09||6 days £86.84||4 weeks £186.16|
Loss, theft, fire or vandalism
Child seat replacement
New car replacement
Of the same make, model and specification
And an approved repair service*
If another person is injured or dies, or their property's damaged
Up to £2,500 per claim (or £5,000 per insurance year)
Up to £5,000,000
Cover up to £150
+ RAC Breakdown Cover
You can add RAC Breakdown cover to your temporary insurance purchase
+ European car insurance cover
If you want to drive your car in the EU, you can add cover for that when you buy your policy
+ Excess Protection
You can add excess protection when you buy your policy. It reimburses any excess charges, if you need to make a claim
Read more about our optional cover
Unattended / keys in ignition
Loss or damage if the vehicle was left unattended with the engine running or the keys in the ignition
Wear and tear
Electrical and mechanical breakdown or gradual deterioration
Loss of value following a repair
Confiscation, requisition, or destruction
By or under order of any government, public or local authority
How do I get Temporary Car Insurance?
Covering multiple drivers
If you need temp cover insurance on someone else’s car for an hour, a day, or even up to 30 days, then our temporary car insurance has you covered. With us, you get comprehensive cover as standard. You can also add a person to your car insurance in the short term with temporary additional driver insurance. It can be useful if you and a friend are sharing the driving on a road trip, or a family member is borrowing your car. They can buy cover for 1 hour up to 30 days.
Also, if the person insured on your car was to damage it, it wouldn’t affect your annual insurance policy.
Quick and easy
Why choose RAC Temporary Car Insurance?
Our partners Dayinsure have a 4.8-star rating on Trustpilot and our policies are underwritten by Aviva, the UK’s largest general insurer. And the RAC has been looking after drivers for over 120 years. So you know you’re in safe hands with our short-term car insurance.