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Short-Term Car Cover
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Short-Term Car Cover
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Check temporary insurance for a car you do not own.
Get your quote online.
You may be able to request temporary cover for a particular car with the owner’s permission. This is insurance for the named driver and vehicle, not a general policy allowing you to drive any car.
Choose enough time for the whole journey, including the return trip. Check the quoted start and end times rather than relying on a label such as ‘daily’ or ‘monthly’. If your plans change, make sure valid cover is in place before continuing to drive.
Have the vehicle registration and the driver’s details ready. Choose when you need cover, then review the price, eligibility and policy terms before buying.
Yes absolutely, if you have the car owner’s permission you can insure yourself temporarily and drive a car that you don’t own.
If you already have car insurance in your name, you might be covered to drive someone else’s car under the ‘Driving Other Cars’ (DOC) rules. But it is not standard and certainly not everyone will have this cover.
People under the age 25 will not often have DOC cover, so check your policy carefully. If in doubt, contact your insurer or broker directly to make sure.
It’s important to be aware that when you drive someone else’s car, the cover changes from comprehensive to Third Party Only, also known as TPO. This means that only other people, cars and property are covered in an accident, the car you are driving is not.
If you don’t have your own car insurance, you can be added as a second driver to another person’s policy. However, if a second driver must make a claim on this policy, then it will impact the main driver’s No Claim Discount (NCD) and could potentially drive up their insurance premium at renewal.
If you only need to use a car for a short period of time, then going for a Daycover temporary car insurance policy could be cheaper and it also avoids risking the car owner’s No Claims Discount – making borrowing their car for your needs potentially more likely!
For occasional borrowing, compare a separate temporary quote with being added to the owner’s policy. The owner may still have obligations under their existing insurance, and the temporary insurer must accept your application.
You decide when your cover starts and ends, providing complete control and flexibility.
Our non owner car insurance protects you, your passengers, your car as well as other people, property and vehicles.
In a hurry? Get on the road in minutes, driving a car you don't own (with the owner's permission of course!).
Get a quote quickly, with a minimal amount of questions for just the length of time you need to drive to keep costs to a minimum.
Non owner car insurance is completely flexible and it allows you to drive a car that you don’t own, such as one that belongs to a family member or friend. Choose the exact amount of time you need to use the car for; as little as one hour to 28 days.
Yes you can insure yourself on a car that is not in your name. With Daycover’s non owner temporary insurance UK, as long as you have the owner’s permission to insure and drive the car, you can get on the road in the same day. Car insurance for non owners could be a great option for you to get on the road today.
Yes, you can take out multiple temporary policies in a year on a car you don’t own. There will come a point that it would make more sense financially to take out an annual policy, as long as it’s the same car each time.
Enter your details, the registration and your dates in DayCover’s quote form to check the price offered for your circumstances.
Yes, you can insure a driver on a car that they do not own. Often referred to as non owner car insurance, it is a form of temporary insurance that allows you to insure a car on a short term basis. Insurance can last from one hour up to 28 days, plus you can take out further policies once one policy has finished.
Do not assume the vehicle can be uninsured apart from your temporary cover. The current DayCover quote states that a main policy is required. Confirm the owner’s insurance position and the available policy’s conditions before buying.
Just because you don’t own the car you need to insure, it doesn’t mean that it’s more expensive to do it. With temporary non owner car insurance UK you only need to insure the car for the amount of time that you need to use it for, so it’s worth getting a quote to see if it can save you money.
Yes, you can insure a car you don’t own in the UK if you have the owner’s permission to drive it. Some insurers offer policies for drivers who are not the registered keeper, particularly for temporary or short-term insurance cover.
Not every Comprehensive car insurance policy allows you to Drive Other Cars; it must be mentioned specifically in your policy.