What is weekly car insurance?
Weekly car insurance is a type of temporary car insurance. It provides flexible, short-term cover, usually from 7 days up to 28 days. This is longer than a daily policy and suits drivers who need cover for more than a day but do not want an annual policy.
Unlike traditional annual car insurance policies, one week car insurance lets you pay only for the time you need. The cover is separate from the car owner's policy. This means their No Claims Discount* won't be affected if you make a claim.
We’ve partnered with Dayinsure, specialists in short-term car cover, to give you comprehensive cover that offers peace of mind for as long as you need it.
What is one week car insurance for?
A week gives you more flexibility than a single day, making it ideal for longer journeys, trips, or short-term situations where you need reliable cover.
Adding a driver to your car for the week
Need someone else to share the driving? Temporary cover lets you add a driver without changing your annual policy.
Students returning home between terms
Perfect for university students who only need a car occasionally during holidays or short breaks.
Drive-away insurance for a new car
Just bought a vehicle? Get 7-day car insurance to drive it home while you arrange longer-term cover.
Covering a specialist or classic car
Ideal for events, rallies, or short-term use without committing to an annual specialist policy.
Temporary cover while arranging your main policy
Bridge the gap between buying a car and setting up permanent insurance.
Why choose RAC Weekly Temporary Car Insurance?
Flexible – Need cover for a week or two? Choose what works for you and extend anytime.2
Complete protection – Enjoy comprehensive cover for everyday trips or business use.1
Quick to get started – Get on-demand cover or book your policy in advance.
Worry-free claims – Claims won’t impact the owner’s No Claims Discount.*
How much does one week car insurance cost?
Prices depend on several factors, including your age, driving history, and vehicle type. However, like all temporary policies, you only pay for the time you need.
Prices from^
Weekly car insurance
1 week – £56.99
2 weeks – £81.99
3 weeks – £100.99
4 weeks – £141.99
Prices from^
Hourly car insurance
1 hour – £14.99
2 hour – £16.99
3 hour – £18.99
4 hour – £20.99
Prices from^
Daily car insurance
1 day – £23.99
2 days – £31.99
3 days – £38.99
4 days – £44.99
^10% of customers purchasing an RAC Temporary Car Insurance policy direct from dayinsure.com between 01/01/26 and 30/06/26, paid the above prices for the corresponding durations. This is based on new customer's base premium when buying cover and excludes optional extras. Premium depends on individual circumstances and the level of cover chosen.
Need insurance for longer? Extend your coverage by purchasing extra cover by the hour or choose an extra few days of insurance cover.
Is weekly insurance the best option?
On average, you'll save up to 66% when you choose a week-long policy vs 7 1-day policies, and if you only need cover for a short period, weekly insurance can be more cost-effective than an annual policy.
For longer needs, an annual RAC Car Insurance policy may be more suitable.
Rated 'Excellent' on Trustpilot
We partner with Dayinsure to bring you short‑term cover. Here’s what drivers think of their service.
What does one week car insurance cover?
What's covered
Damage to your vehicle and others.
Third-party injury or property damage.
Theft, fire and accidental damage.
No impact on the owner’s No Claims Discount.*
Personal and some business use.1
Depending on your policy, cover can include everyday driving needs – from errands to short-term work use.
What's not covered
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.
Courtesy car.
Damage to tyres by braking or by punctures, cuts or bursts.
Driving the car without a valid, full GB driving licence.
Fully comprehensive as standard. Product information is based on policies underwritten by Aviva. Dayinsure also offer policies with Mulsanne, and cover may differ. Please ensure cover levels meet your needs – read the full policy requirements.
Who can get weekly temporary car insurance cover?
As the driver, you must
have a current permanent address in the UK
hold a current, valid, full GB driving licence and have done so for at least 6 months (3 months if aged over 25)
have a current permanent address
have permission from the vehicle owner to drive it and you’ve agreed to insure it
have had no more than 1 fault claim in the last 12 months
have had no driving offences in the last 3 years starting with the code DR, CD, DD, UT or DG
have had no more than 9 penalty points and no disqualifications in the last 12 months
have had no driving offences in the last 6 months starting with the code IN or CU80
not have any unspent criminal convictions (other than driving offences)
have never been refused insurance or had a policy cancelled.
Your vehicle must
be registered in Great Britain, Northern Ireland or the Isle of Man
have a current market value of less than £75,000
have no more than 8 seats in total
not be a hire & reward or rental vehicle
not be a seized vehicle or in a police compound
not have any engine modifications, body kits or alloy wheels – unless they were carried out for a disabled driver or passenger, or they were fitted at manufacture or were manufacturer optional extras
not be imported from another country through channels other than the maker’s official distribution system
not be a heavy goods vehicle (HGV)
not be over 3.5 tonnes gross vehicle weight (GVW).
How does weekly temporary car insurance work?
Step 1
Enter your details online
- How long you need cover (from one hour up to several weeks)
- Your personal details (name, address, age)
- The car details (registration number)
Step 2
Get a quote and choose cover
- You’ll be shown a price
- Select the exact duration (one or several days)
- Check what’s included (comprehensive cover, driving other cars, etc.)
Step 3
Buy and get insured instantly
- Pay online
- Cover usually starts immediately (or at a time you choose)
- You receive confirmation by email, no paperwork needed
What our expert says
Insurance Expert
“Weekly car insurance works well when you need access to a car for a longer period, such as visiting family, are a student back from university and want to borrow a parents car, moving house, or using a temporary replacement vehicle. It offers comprehensive cover for up to several weeks while keeping costs manageable. It's the perfect middle ground between daily insurance and a full annual policy.”
Optional extras for weekly temporary car insurance
RAC Breakdown Cover
Get complete peace of mind® with our 5 Star Defatqo breakdown cover. We'll come out to you if you run into any complications on your short-term trip.
European car insurance cover
Planning a short road trip in Europe? You can get car insurance that covers travel in the EU, EEA, and Switzerland.
Excess protection
Reimbursement for any excess charges, if you need to make a claim during your short-term trip with our excess protection.
Need specialist insurance?
At the RAC, we provide car insurance tailored to your needs – from learner drivers to temporary – so you can drive with confidence and complete peace of mind®.
Weekly car insurance FAQs
Yes, RAC Temporary Car Insurance offers flexible cover from 1 hour up to 30 days. So you can take out insurance for 2 weeks, 3 weeks, 4 weeks, or any period in between.
Weekly car insurance can be useful if you are:
- Borrowing a car
- Sharing driving duties on a trip
- Using a vehicle while yours is off the road
- Needing short-term cover without taking out an annual policy
Your policy is separate from any existing insurance on the vehicle, giving you temporary cover for the exact period you need.
No. RAC Temporary Car Insurance is for one driver only. Each driver needs their own temporary insurance policy.
If someone else needs to drive the vehicle for a week, they can arrange their own temporary cover if they meet the eligibility criteria.
Possibly. RAC Temporary Car Insurance may be available to drivers who are not UK residents, depending on factors like:
- The type of driving licence they hold
- Whether they meet the insurer's eligibility requirements
RAC's temporary cover can be available to some drivers with EU and other recognised foreign licences.
The quickest way to check is to get a quote online, where eligibility will be assessed based on your individual circumstances.
Usually, yes. A black box (telematics device) on your annual policy does not stop you from taking out RAC Temporary Car Insurance.
Temporary cover is a separate policy. To qualify, both the driver and vehicle must meet the insurer's requirements.If your car has a telematics device, make sure you follow the terms of your main policy.
Possibly. RAC Temporary Car Insurance covers many vehicles. However, cover for modified cars depends on the type and extent of the modifications.
When you get a quote, provide accurate vehicle details. The insurer will then decide if cover is available.
You must declare any modifications. If you do not, it could affect your cover or a future claim.
To get a quote and buy RAC Temporary Car Insurance, you will typically need your driving licence details and information about the vehicle you want to insure.
Having these details ready can help speed up the application process, and cover can often be arranged within minutes.
Usually, no. RAC Temporary Car Insurance is a standalone policy, separate from the vehicle owner's annual insurance.
If you make a claim on your temporary policy, it will not affect the car owner's No Claims Discount in most circumstances.
This is one of the key benefits of temporary car insurance when borrowing someone else's vehicle, as it helps protect their existing policy and no claims history. However, if you are insuring yourself on your own vehicle, different conditions may apply.
If you need a vehicle for several consecutive days, weekly insurance can often be a more practical solution than purchasing multiple daily policies.
Weekly insurance is particularly useful when:
- Students return home between terms.
- You're waiting for annual insurance to begin.
- You need a car for a work placement or temporary assignment.
- You're moving house.
- You're taking an extended holiday or road trip.
In many cases, a single weekly policy can be more cost-effective and convenient than arranging cover one day at a time.
For drivers who need flexibility beyond a weekend but don't want an annual commitment, weekly insurance can provide the right balance between cost and convenience.
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