Temporary Car Insurance for Under 12 Months

The standard 12 month car insurance policies that are offered by most major providers are not suited to a number of quite common situations a person may find themselves in. Obtaining temporary car insurance for less than 12 months is becoming increasingly common for people who:

  • Are waiting to emigrate so do not need a standard policy
  • Are a student and only use their car during the holidays
  • Are going on a road trip round the country or Europe
  • Will most likely buy a new car before 12 months is up


The insurers listed below provider potential customers with competitive car insurance quotes for policies that require cover for only 12 months or less.

Temporary Car Insurance Deals
ProviderCover TermMinimum and Maximum AgeSpecial FeaturesGet Quotes
1 - 28 days18 - 75Instant Car and Van Cover including motorhomes. Cover for Learner Drivers. Insurance documents immediately issued.Get Quotes >
1 - 28 days19 - 75Instant Car and Van Cover. Cover for Learner Drivers. Cover for vehicle hire and test drives. Insure someone else on your car. Insurance documents immediately issued.Get Quotes >

There are many companies that would be willing to offer temporary car insurance quotes to people I these situations. There could be several benefits to taking temporary car insurance for under 12 months rather than a standard policy:

  • It is possible for a person to protect any previous no claims bonuses while taking out a temporary policy, and  there are some deals where a bonus will not be affected even if there is acclaim made in the temporary policy
  • The amount of cover that is provided by these kinds of insurance policies will usually match a standard deal, with third party, fire and theft and fully comprehensive cover available.
  • The length of the cover can be tailored to suit your individual needs, from one day to just under 12 months


The cost of the temporary car insurance policy bears serious thought. If you get cover for 11 months and 3 weeks it is likely to work out a good deal more expensive than taking out a standard policy. If however the temporary car insurance will last well under 12 months, it is likely to work out far cheaper.

Compare - Latest Car Insurance Deals
ProviderSpecial OffersGet Quotes

5 Star car insurance from £185 – That’s all 10% paid for our standard cover* .
You could save up to 20% online - 36% of customers are expected to receive the maximum saving**

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Save up to £1,140 on Car Insurance.

10% of consumers could achieve this saving. Based on Online independent research by Consumer Intelligence during 01 August 2017 to 31 August 2017. Underwritten by U K Insurance Limited

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Don’t get caught out when you break down. Churchill offers free breakdown cover to new Motor customers
First year Breakdown service (roadside only), provided by Green Flag, new policies only. Breakdown chargeable at renewal. Underwritten by U K Insurance Limited. Terms & conditions apply

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Comprehensive cover available from just £152 a year***.
5 Star Rated Comprehensive Cover, you'll benefit from the following as standard: Uninsured driver cover, Vandalism cover, Guaranteed replacement car, Emergency any driver cover, Cover for driving in the European Union for an unlimited period.

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99% of customers would buy again from LV= - Reevoo

Benefits include UK call centres, 24/7 claims helpline, unlimited cover for factory fitted phone, audio and sat nav equipment, and replacement child car seats. Plus optional extras, such as motor legal expenses, guaranteed courtesy car, European car insurance cover, increased personal accident cover and breakdown cover.

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Confused.com compare prices from over 130 motor insurance providers to find you their best dealGet Quotes >
Save up to £230 on your car insurance (51% of consumers could achieve a saving of up to £229.96 with Gocompare.com car insurance based on a comparison of at least 40 companies)Get Quotes >

Save 15% Online††
No claims discount up to 75%.

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With lots more cover now included as standard, AXA car insurance offers you extra reassurance on the road.
If your car’s hit by an uninsured driver, you’ll keep your no claims discount and get back your excess with AXA’s uninsured driver promise* – only with our comprehensive car insurance (*We will return any No Claims Discount and Excess if you are not to blame – you will need to provide the make, model and reg number of the other car. T&Cs apply.)
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Get Comprehensive Car Insurance Quotes Online.

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 * 10% of customers buying comprehensive car insurance with us from October 2014 to December 2014 paid this price or less for our standard cover (excluding optional extras). The price you will pay depends on individual circumstances, cover chosen and payment method. Our Defaqto 5 Star Rating gives you independent expert reassurance about the quality of cover we provide as well as options to tailor your cover. Discount depends on individual circumstances and does not apply to optional extras. Minimum price applies.