It is a policy that can cover you for just one day. You may need this type of cover if you are:

  • Moving house

  • Test driving a car

  • Sharing driving for a long trip

If you want to drive someone else's car you could have yourself added to their policy instead.

Short term insurance is priced per day so try not to buy cover for longer than you need.

When is it cheaper to get normal cover and cancel it?

If know you will only use a car for 24 hours you should always get a short term car insurance policy, rather than buying annual cover and cancelling it.

You will be charged a fee of as much as 70 to cancel your policy, so it will always be cheaper to buy a short term one day policy.

However if you need short term cover for longer, for example one or two months, it can be cheaper to cancel an annual policy. This guide includes an example of when cancelling a policy could cost less than temporary car insurance.

How to compare one day policies

When looking for cheap one day cover be aware that every policy has its own acceptance requirements. Before you apply you should check:

  • The minimum age you need to be to take out a one day policy.

  • The maximum vehicle value you can get cover for. Any vehicle costing over this amount will not be covered.

  • The standard excess that is payable by you in the event of a claim. Here is more on how car insurance excess works.

One day car insurance FAQs


Can I drive a car without insurance?


No, it is a legal requirement to have at least third party car insurance cover to drive in the UK.


What happens if I do not have car insurance?


It is illegal to drive in the UK without insurance it and you could face a fixed fine, six points on your licence and your car being seized and destroyed.


Can I get car insurance for a temporary period?


Yes you can get temporary, or short term, car insurance that can last from one day up to three months. Here is when you should consider short term car insurance.


What is car insurance excess?


It is the amount you have to pay towards any claim you make. Find out how car insurance excess works here.


Can I check if a car is insured?


Yes, you can check if a car has a valid insurance policy in place through the Motor Insurance Database (MID).


What does car insurance cover?


It can cover damage to your and another driver's car after an accident. It can also cover theft, vandalism, fire and more.