Temporary Car Insurance

As the driver, you must:

• Be aged between 18 and 75 (the minimum age may vary depending on individual circumstances)
• Hold a current, valid, full UK driving license, and have done so for at least 6 months (reduced to 3 months if aged over 25)
• Have a current permanent address as stated throughout this application, (please note you may be asked to provide proof of residence in the event of a claim)
• Have had no more than 1 fault claim in the last 12 months
• Have had no more than 9 penalty points and have had no disqualifications in the last 18 months
• Have had no motoring offence in the last 3 years with the Conviction Offence Code prefixes DR, CD, DD, UT or DG
• Have had no motoring offence in the last 6 months with the Conviction Offence Code prefix IN or CU80
• Do not have any unspent criminal convictions (other than motor offences)
• Have never been refused insurance or had a policy cancelled
• Have permission from the owner to drive the vehicle and you have agreed to insure it as you have responsibility for loss or damage

The car must:

• Is registered in Great Britain, Northern Ireland or the Isle of Man
• Has a current market value of less than £75,000
• Has no more than 8 seats (including the driver’s seat)
• Is not a Hire or Rental vehicle or leased under an agreement of 12 months or less duration
• Is not a seized vehicle or in a police compound
• Vehicle has no engine modifications, body kits, or alloy wheels unless fitted at manufacture or were manufacturer optional extras – unless specifically carried out for a disabled driver or passenger
• Is not imported from another country through channels other than the maker’s official distribution system
• Is not a type of Heavy Goods Vehicle (HGV)
• Is not over 3.5 Tonnes Gross Vehicle Weight (GVW)
• Has an engine size of 3999cc or less

What’s covered

• Flexible duration
  From just 1 hour to 30 full days. Add breakdown or European cover if you need it.
• Loss, theft or damage
  Comprehensive cover as standard – and if you make a claim, it won't affect your no claims discount on your main car policy
• Accident recovery
  If we can’t fix things at the roadside, we’ll get you to an approved repairer
• Limited European cover
  Third-party cover as standard for European trips
• Emergency treatment
  Cover for emergency medical expenses if you or your passengers are in an incident
• Legal liability
  Cover for up to £5,000,000 if someone's injured or their property's damaged

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

• Tyres
  Any punctures, cuts or bursts – including those caused by braking
• Electrical breakdowns
  That’s problems with wiring, electrical components or on-board computers
• Unnamed drivers
  We’ll only cover drivers you’ve told us about

Take a look at our policy wording for full details of what’s not covered.

Read our Short Term Car Insurance Policy Booklet PDF (266KB)

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

• Full European cover
  Comprehensive cover while you’re on the road in Europe
• Breakdown assistance
  RAC breakdown assistance with Onward Travel options. Not available if you live in Northern Ireland