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.
Temporary car insurance allows you to pay only for the time you need – an hour, a week, a month. 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
Available for 1 hour to 30 days. And add extra hours online if you need to.
You’re fully covered – for leisure or business use†
Get covered within 15 minutes. Or buy up to 28 days in advance.
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 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. If you’re borrowing someone else’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.
Looking for learner car insurance? Take a look at our provisional driver's insurance
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 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
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 we’ve 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.