Monthly Car Insurance

Can I get car insurance for a month?

Yes, you can get temporary car insurance for 28 days. This monthly car insurance gives you the cover you need if your car is out of action for a while and can also be a great way to cut costs if you only drive for short periods.

Finding cheap monthly car insurance can be difficult but with our monthly cover, you’ll only pay for the time you actually need.

Insure a car for a month quickly and easily with Tempcover’s maximum-length policy by following these simple steps:

Enter some details about yourself and your vehicle.
Make sure you’re happy with the price and policy details.
Pay for your policy and then receive the documents in your emails.

Having the following information to hand can speed up your process:

Your car’s registration number
Your details (name, address, date of birth, etc.)
Your licence type and length you’ve held it
Your car’s value
Your email and phone number (to send the policy documents to)
When you’d like the policy to start and end

Am I eligible for temporary car insurance?

Tempcover works with several short-term insurance providers to offer one-month car insurance. This means we can help provide cover to a wide of drivers. Despite our wide acceptance criteria, you will still have to meet some basic requirements to be able to get a quote.

How to be eligible for monthly car insurance

To get monthly car insurance cover, you must:

Be aged 17-78 years old.
Hold a full UK or EU driving licence with no more than 7 points in the last 3 years.
Have been a permanent UK resident for the last 12 months or be a British expatriate.
Have no criminal convictions.
Not had a previous policy of insurance declared void by an insurer.

To get monthly car insurance cover, your car must:

Be valued between £1,500 and £65,000.
Be taxed and in a roadworthy condition with a valid MOT.
Not be modified in any way except if designed to aid disabled drivers.
Be a right-hand drive car with no more than 8 seats.
Not be declared SORN.

Each insurer on our panel has its own eligibility criteria. Please pay close attention to the Proposer’s Declaration.

How does monthly car insurance work?

Monthly car insurance can be a cheaper option when looking for cover on a more flexible basis. For a lot of drivers, the long-term commitment of 12-month insurance is too much and doesn’t fit a number of situations we may find ourselves in.

When might I need monthly insurance?

There are many situations where cheap one-month car insurance could be the most cost-effective option. If you’re not driving every day or using that car long-term, it could be cheaper than paying for traditional annual insurance.

Here are just some of the times you might need a simple, straightforward monthly policy:

Borrowing a car

Whether your car is in for repairs, you’re waiting for a new car, or you just need a different vehicle, cheap one-month insurance will give you the cover you legally need to borrow the car without affecting the owner's existing policy or No Claims Discount.

Sharing driving duty

If you’re planning a UK staycation, you may want to share the drive on your holiday. Do it quickly and easily with one-month insurance and get complete peace of mind when it’s your turn behind the wheel.

Your child is home from university

When your child comes home from university, they probably won’t want to be stuck taking the bus. Get a monthly insurance policy for just the time they’re back and let them use your car without it causing your annual premiums to rise.

Visitors staying with you

Similarly, if you have a friend or family member visiting you for an extended period, you can safely insure them for the duration of their trip without them needing to pay for an expensive annual policy.

Buying a new car

When buying a new car, you’ll be keen to start driving straight away. But if you’re waiting to find the cheapest car insurance policy, get cheap car insurance for a month and save yourself money in the long run while still being able to use your car.

How much does car insurance for one month cost?

Even though monthly car insurance can be a cheaper alternative in many situations, the cost is dictated by the details of the policy. This means that the overall price will depend on several factors that are provided when getting a quote. This includes:

The car’s make and model – the more expensive your car is to repair or replace, the most costly it will be to insure.
The car’s age – Driving old cars can mean you miss out on important safety features and parts can be difficult and more expensive to find.
Vehicle modifications– Making modifications and adding car cosmetics can cause prices to rise as insurers are less likely to pay for parts and features that aren’t manufacturer-standard.
Your driving experience – As you’d expect, new drivers with less experience are more likely to have an accident, therefore insurers will increase prices for new and young drivers.
Driving licence type – If you’re learning to drive, you could find monthly learner insurance to help you practice, but you will have to pay more if you only have a provisional licence.
Where you live – The crime rates and traffic accident statistics of where you live and drive will increase or reduce the price of your policy. Safer areas will be cheaper than those with high crime and accident rates.

How do I get a cheaper deal on my monthly car insurance?

There are ways to reduce the cost of your policy and get a cheaper deal on your monthly car insurance. As with all insurance products, it’s important to be as honest and transparent as possible to ensure you’re providing the correct information. However, there are choices you can make to get the best deal possible. These include:

Choosing to insure a smaller, less powerful car in a lower insurance group
Selecting the right insurance for the duration you need
Opting for the highest level of cover (which you get as standard with Tempcover)
Only choosing the additional products you actually need
Tailoring the policy to suit your needs

You can see how much your one-month car insurance in the UK could cost using the price estimates below.

Need a shorter policy?

If you don’t need cover for a month, Tempcover offers temporary car insurance for times that suit you – starting from one hour.

What does a monthly car insurance policy cover?

Just because you’re getting car insurance for one month doesn’t mean your level of cover has to suffer. Here is what you can expect to be covered when you choose monthly car insurance from Tempcover.

What’s covered with one-month car insurance?

Fully comprehensive insurance as standard on all monthly car insurance policies
Accidental and malicious damage to your car
Cover for injury or damage to another person or their property
Driving in the UK
In some instances driving in the EU with the third-party or equivariant level

What’s optional with short-term car insurance?

Legal Expenses Cover providing up to £100,000 cover for legal costs including uninsured loss recovery for accidents that are not your fault
Excess Reduction Cover, reducing your policy excess to as close as £100 as possible

What’s not covered with one-month car insurance?

The excess you agreed to pay
Release from an impound (unless you buy a specific temporary impounded vehicle policy)
Additional drivers – we can only cover the driver named on the policy
A sole claim or separate cover for broken/damaged glass including the windscreen

Monthly car insurance FAQs

What details do I need when buying one-month car insurance?

Finding the right one-month car insurance is quick with us, but you can further speed up the process by having the following details to hand:

Your car’s registration number
Your details (name, address, date of birth, etc.)
Your licence type and length you’ve held it
Your car’s value
Your email and phone number (to send the policy documents to)
When you’d like the policy to start and end

Can I drive someone else's car with my monthly insurance?

There are three car insurance options that will let you drive someone else’s car. This includes the following:

Becoming a named driver on the insurance policy of the person whose car you’re borrowing.
Finding insurance that offers a Driving Other Cars (DOC) extension and specify that this is for situations other than emergency use only.
Buying flexible temporary cover through us whenever you need to drive someone else’s car.

Driving without the correct insurance can result in hefty penalties including six points on your licence and a fixed fine of £300.

Can I extend my monthly car insurance policy?

You can arrange a new monthly policy to start the moment your current policy expires. This can be done at www.tempcover.com and you’ll receive a quote in under two minutes.

Will my monthly Tempcover car insurance policy cover travel to Europe?

Tempcover’s temporary car insurance provides third-party cover only when driving in the EU and several other European countries. Tempcover does not currently offer fully comprehensive EU cover. However, this will be full comprehensive cover when driving in the UK.

Can I get one-month car insurance for a hired or rented vehicle?

The majority of hire cars and rented vehicles will have their own insurance included as standard. You can, of course, decline this and get a quote and arrange your own temporary car insurance but this will depend on the dealership’s terms.

Can learner drivers get monthly insurance?

Yes, you can take out Tempcover’s temporary learner driver insurance for times ranging from 12 hours to 28 days. This short-term cover lets them practice in a friend or family member’s vehicle (while being supervised by a driver aged over 25 who’s held a driving licence for over three years) without affecting any no claims discount.

Monthly Car Insurance

Get up to 28 days monthly car insurance quotes in just under 2 minutes

Why choose our monthly car insurance?