One Hour Temporary Car Insurance

Compare One Hour Car Insurance

Short-term hourly cover gives you legal cover for as little as one hour, with no impact on your annual policy or no claims discount. You can be covered within minutes of applying online. Under the Road Traffic Act 1988, you must hold at least third-party insurance to drive any vehicle on UK roads. Quotezone compares short-term policies from a panel of UK insurance providers so you can pick the right cover for the time you need.

What is hourly car insurance?

1 hour car insurance offers some of the shortest temporary insurance in the UK. It offers the same coverage as standard car insurance, with more freedom and flexibility.

Other temporary car insurance options might cover you for a full day, or even a week or month. But for a short one-off journey, buying car insurance for an hour means you don’t pay for longer cover than you need.

How much is hourly car insurance?

The cost of hourly car insurance in the UK will vary. It depends on the risk of insuring you and your particular circumstances. On average, hourly car insurance costs*

Two-hour and 24-hour car insurance

If one hour isn’t quite long enough, you can buy cover for two hours, three hours, half a day or a full 24 hours. The shortest policy in the UK is usually one hour. The longest single short-term policy is 28 days, according to the Association of British Insurers. You only pay for the time you select. Longer covers cost a little more than a single hour, but tend to be cheaper than adding yourself to someone else’s annual policy as a named driver.

2 hour car insurance suits short errands and learner practice. Drivers often use a two-hour policy for a supermarket run in a friend’s car or a quick trip to collect children. It also works for an hour or two of supervised learner practice in a parent’s car. Premiums for two-hour cover are only marginally higher than a one-hour policy. That is because most of the cost reflects underwriting risk rather than duration. According to the Association of British Insurers, short-term policies use the same risk factors as annual cover — your age, driving history, the vehicle and your location.

24 hour car insurance is a full-day policy designed for longer one-off journeys. People typically buy a full-day policy to help a friend move house or to test drive a private-sale car. Others use it to share the driving on a long trip or to use a borrowed vehicle for a weekend. Cover starts the moment you choose and runs for exactly 24 hours. That keeps you legal from the first mile to the last. If you need cover for longer than a day, a one day car insurance policy can be extended at the point of purchase. You can also compare one month car insurance or 6 month car insurance on Quotezone.

Whether you opt for a one-hour, two-hour or full-day policy, the cover level is the same as a standard annual policy. Comprehensive, third-party fire and theft, and third-party only options are all available, and any claim is settled separately from your annual insurance so your no claims discount stays intact.