Temporary Car Insurance

Temporary car insurance or short term car insurance as it is known, is cover for those times when you may need to borrow a friend or relatives car for a few days or weeks, test drive a car, or perhaps when you need a bigger vehicle to help transport people or belongings. This kind of temporary insurance is available for any roadworthy vehicle that is worth more than £1000 and can be manipulated to suit the length of time you need. There are a number of reasons why short term car insurance may be needed but we are there to make sure that you get the flexible type of short term cover that you need.

If you have taken out a one day car insurance policy with Performance Direct this can easily be changed and extended so your cover lasts up to a month. We understand that temporary insurance cover needs to be flexible so we ensure that adding a temporary driver to your existing insurance cover, as well as extending your temporary cover is straightforward.

More often than not, hiring another vehicle and proceeding to arrange insurance for a hired vehicle can work out more expensive and time consuming. Sticking to a short term car insurance option is a great way to gain temporary cover on more easily accessible automobiles. Most people do find that they need an additional or temporary vehicle from time to time and hiring a vehicle is not always the most viable or economic option. Temporary cover can range from additional driver cover when borrowing a vehicle from a friend for instance to courtesy car insurance in emergencies.

Thousands of customers have taken out short term policies with us and have enjoyed full insurance cover, along with complete peace of mind, knowing that the vehicle they wanted to drive, for a temporary measure, was insured by trusted experts. We pride ourselves on our experience and expertise as a specialist insurer so next time you need temporary insurance cover, for whatever reason, additional driver insurance and learner driver cover you know you can rely on us.

Why Choose Short Term Car Insurance?

Short term car insurance is a fully comprehensive cover option for when it may be necessary to borrow someone else’s vehicle. It also comes in handy if you are car sharing a long journey or perhaps need a bigger vehicle to transfer furniture if you are moving house etc. In fact, the reasons why temporary cover may be needed are numerous, but whatever the reason why it is needed you can be sure that we will provide the right cover for you. By choosing a short term insurance policy it will ensure that you and the vehicle are protected including the owner of the vehicle if they have a no claims bonus. A quick solution for additional drivers and peace of mind for everyone involved.

Learner Driver?

If you have children who are in the process of learning to drive, additional practice in your own car is a great idea but you will need insurance. This is where temporary car insurance is a fantastic cover option; giving them practice and leaving you without the worry if anything were to happen. By having temporary additional driver cover specifically for learner drivers you can be sure that you, your child and your car are covered at all times. Adding a temporary driver to your existing insurance policy with us is straightforward and one of our dedicated temporary insurance staff will be happy to help.

Moving House?

Moving house can be a stressful and expensive time. Not least of all when moving costs are considered. Borrowing a vehicle from a friend or relative may well be the quickest, most comfortable and most economical option for an extra vehicle when moving. A temporary additional driver can be added to an insurance policy for just one or two days as required when you move. With Performance direct we make sure that our short term car insurance is as simple as possible to avoid adding unnecessary stress to a move. Just call and speak to one of our short term cover experts who will guide you through the process.

Car being repaired?

Sometimes it is necessary to hire a courtesy car if your car is being repaired and one isn’t offered by your insurance provider or your car’s repair goes outside their set repair period. With Performance Direct we try and may sure that courtesy car insurance is as hassle free and economically viable as possible. Because our short term insurance is flexible you have the peace of mind knowing that you can extend the cover on your courtesy car while your own car is being repaired.

Taking a trip or borrowing a friend’s car?

Borrowing someone else’s car is not as straightforward as simply taking the keys. Insurance cover is required, even if you have insurance for your own vehicle. If you need to borrow a friend’s car, even for just a short period of time, you must make sure that you are covered. Adding an additional driver to an existing Performance Direct policy is straightforward however so you and your friend can have peace of mind whoever’s vehicle is being borrowed. Even partners sharing the same car must ensure that both parties are insured. Temporary insurance cover is a great way for partners to share the driving responsibility on a trip away for instance, without the need to be permanently insured on your partner’s policy. Temporary additional driver insurance is easy to set up however; one of our short term car insurance experts can help set that up for you.

Emergency Cover

At Performance Direct we understand that sometimes short term cover is needed at short notice. If you suddenly need to borrow a friend or relative’s vehicle or someone needs to borrow yours, whatever the reason we can provide temporary insurance quickly. Obtaining an online quote takes just minutes so you can add a temporary driver to your existing policy in no time at all. Life’s emergencies often happen quickly and so we work quickly and efficiently as well to make sure you get your short term insurance fast so you can deal with your emergency without having to worry about car insurance.

Getting short term insurance is easy and quick with Performance Direct. We know that obtaining car insurance quotes can be stressful at the best of times so we have made getting short term cover as simple of possible. Compare short term car insurance quotes simply by clicking on the ‘Get a Quote’ button now! It takes less than 5 minutes to get your policy so for those urgent times, you can gain cover immediately.

A hand-picked panel of insurers will offer you a range of quotes based not only on a competitive price but who represent the service we want to provide to our customers. We have been a specialist car insurer for over 20 years and so have amassed an experience in the industry that is well respected. The experience and the pride we have in our work and the fact that we treat all of our customers on an individual basis means you are in safe hands with us whatever type of short term insurance cover you need.

If the vehicle you need cover for is between the value of £1,000 and £40,000 and you are aged between 18 and 75 then short term car insurance could be a worthwhile option. We can provide cover for a range of different needs, learner driver cover, courtesy car insurance and more.

To compare short term car insurance quotes from our panel of trusted insurers click 'get a quote'

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Or call us on 01708 564 143

Why choose Performance Direct?
Policy options include:*

• Short term cover
• 1 day to 1 month
• Flexible cover options
• 24/7 Claims Service

Knowledgeable UK staff

Open 7 days a week

Temporary car insurance provides short term motor cover for a limited period rather than a full annual policy. Cover can typically be arranged from one day up to several weeks, depending on insurer criteria. It is used where a vehicle needs immediate or time restricted protection without committing to 12 month insurance. Eligibility depends on driver profile and vehicle specification.

Short term car insurance policies usually run from one day to a maximum period set by the insurer. The available duration depends on age, driving history and vehicle type. Some insurers allow extensions, subject to reassessment. Temporary cover is structured for defined, short term needs rather than ongoing annual use.

Most temporary car insurance is arranged on a comprehensive basis, subject to eligibility. This generally includes accidental damage, theft, fire and third party liability during the insured period. Optional extras are less common than on annual policies. Exact terms depend on the selected insurer and the specific short term product.

Eligibility for temporary car insurance depends on age, licence type, driving experience and vehicle criteria. Insurers often apply minimum age requirements and may require a full UK licence held for a specified period. Certain high value or high performance vehicles may not qualify. Each application is assessed individually at the point of quotation.

Temporary car insurance operates separately from most annual policies. A claim made under a short term arrangement does not automatically alter an existing no claims discount with another insurer. However, all claims must still be declared when arranging future insurance, as claims history forms part of risk assessment.

Temporary cover can often be arranged in your own name to drive a vehicle you do not own. Permission from the registered keeper is required. The policy applies only for the agreed duration and does not usually alter the owner’s existing annual insurance. Eligibility depends on vehicle type and insurer criteria.

Short term cover can be used when collecting a newly purchased vehicle or moving a car between locations. The vehicle must be road legal and correctly registered at the time cover begins. This type of insurance provides defined period protection rather than replacing an annual policy.

Commuting may be available on certain temporary policies if declared at quotation stage. Not all short term products automatically include travel to and from a place of work. Usage classification affects eligibility and pricing, so accurate disclosure is required before cover is confirmed.

Insurers may apply limits relating to vehicle value, performance, age or modification status. Heavily modified, very high value or specialist vehicles are not always eligible for short term insurance. Acceptance depends on underwriting criteria at the time of application.

Temporary car insurance through Performance Direct may be considered where short term vehicle use is required. This can include borrowing a car, covering a gap between annual policies or arranging immediate protection for a newly acquired vehicle. Arrangements are assessed based on driver eligibility and vehicle details, subject to insurer criteria.