Hourly
Car Insurance
Temporary car insurance by the hour
1 hour to 4 weeks
Instant temporary
cover in minutes
Drivers age
range 21-74
From
1hr-28 days
Flexible
pay-as-you-go cover
How to get hourly car insurance
It’s quick and easy to get a temporary hourly car insurance policy for your own or someone else’s car.
Get temporary car insurance in just 3 steps:
Complete our quick and simple online form
Get a quote and choose the right one for you
Pay online for instant short-term car insurance
Car Insurance
By the Hour
Insure your own or someone else’s car for as little as 1 hour with our temporary car insurance cover.
Our comprehensive car insurance policies are designed for drivers who only need insurance coverage for short periods of time.
One Day Insurance provides coverage for the exact number of hours you require, saving you the cost and hassle of a standard annual car insurance policy, and protecting the owner’s No Claims Discount.
Hourly car insurance is the ideal solution for those who need to make short journeys whilst borrowing a car from a friend or family member.
Insure yourself just for the time you need, whether it’s a quick 1-hour test drive, or the time has come for another IKEA run. No matter how short the journey, it’s important that you always have insurance for yourself and the vehicle whilst you’re on the road, so you can drive with the peace of mind that you are protected should anything happen.
Hourly car insurance is perfect for:
Borrowing someone else's car
Test driving a new car before you buy
Drive away coverage for taking home your new car
That IKEA trip
Car sharing
Emergency situations
What is hourly car insurance?
Hourly car insurance is exactly what it sounds like – short-term car insurance by the hour. Insure a car only the time you need with our flexible policies and get fully comprehensive cover for yourself and the vehicle.
What does hourly insurance cover?
Get some peace of mind with One Day Insurance’s comprehensive temporary car insurance.
Insure cars from 1 hour to up to 28 days
Protect owner's No Claims Discount
Covers vehicle Value Indemnity £1,000 minimum and £50,000 maximum
Insurance for the UK only
Read our temporary car insurance policy in full for more information.
Securing temporary insurance through One Day Insurance is quick and easy. Fill out our online form and get covered in minutes!
Who is eligible for hourly car insurance?
To be eligible for our temporary car insurance policies, you and your vehicle must meet the following requirements:
Drivers
Aged 21-74
UK resident for 2+ years
Have full UK Licence for 6+ months
ABI group 1-45
<6 points on your licence
No previous driving bans
Has a current permanent UK address
Vehicles
Vehicle is owned by family or friend, is a courtesy or lease car
Vehicle is not a hire or rental vehicle
Your usual vehicle is not impounded by the police
Minimum car value £1000
Maximum car value £50,000
SDP, SDP+C, Class 1 business use only
Read more about the eligibility criteria for our short-term car insurance
What information is required for per-hour car insurance?
In order to get you on the road as quickly as possible, we will need the following information:
UK
Driving Licence
Valid UK driving licence (for 6+ months)
Choose Duration
Choose your car insurance duration, from 1hr to 28 days
Details
About You
Your personal details; name, date of birth, home address and driver’s licence number
Details
About Vehicle
Vehicles details; registration number, make and model,
How much does hourly car insurance cover cost?
Temporary car insurance is flexible and cost-saving as you are only insured for the amount of time you need. Get temporary car insurance cover from just £31.81 (1 hour). The following factors will determine the cost of getting temporary car insurance:
Prior accidents:
Previous claims will affect your the cost for hourly car insurance
Personal Info:
Certain personal factors, including age and driving experience, are considered in your quote
Vehicle type:
The size and model of your vehicle can impact the cost for hourly car insurance
Location:
Certain areas are deemed higher risk, therefore, location is taken into account for your quote
Policy length:
The length of cover you require will impact the cost of your short-term insurance quote
Whether you’re borrowing a friend’s car or testing out some new wheels, One Day Insurance can provide temporary car insurance that is right for you!
Need temporary insurance for longer than one hour?
One Day Insurance offers hourly, daily, weekend and weekly insurance. Find which one is right for you!
Daily Insurance
One Day Insurance makes it quick and easy to get temporary insurance by the day with our day car insurance cover
Weekend Insurance
Need cover for a weekend trip away? Get fully comprehensive cover with One Day Insurance’s weekend short-term cover
Weekly Insurance
Whether you’re off on a road trip or need a car for work travel, insure a car for a week with our weekly car insurance
Monthly car insurance
Get temporary car insurance for up to a month, and remain free from the constraints of an annual car insurance policy.
Temporary Car Insurance FAQs
What is covered by an hourly car insurance policy?
Our hourly policies include comprehensive coverage as standard, ensuring protection not only for damage to other vehicles but also for the car you are driving. This encompasses accidents, theft, fire, vandalism, and natural disasters, providing a broader financial safeguard for the policyholder compared to third-party or third-party, fire and theft policies.
How is temporary car insurance different from an annual car insurance policy?
The primary difference between annual and temporary car insurance is in the name – annual car insurance is a policy that covers you over the course of a year, whilst temporary car insurance provides cover during a specific time period, ranging from an hour to a month. The key benefit of this temporary coverage is its flexibility and freedom, ideal for borrowing a friend or family member’s car, test drives, road trips, or any situation requiring temporary vehicle protection without the obligations of a long-term commitment. There are a host of other differences and benefits for annual vs temporary car insurance which you can read about in our blog comparing the two types of car insurance policies.
Can I extend or cancel my temporary car insurance policy?
Whilst you cannot extend your One Day Insurance policy, should you need comprehensive cover for longer than you planned, you are able to arrange a new short-term policy quick and simple by completing the online form. You may cancel your temporary insurance policy before the end of the cover period, although no refund will be given.
When will your information appear on the Motor Insurance Database?
We ensure the timely upload of new policy data to the Motor Insurance Database (MID) daily, even on holidays and weekends. The information should become available on the MID within just 2-3 hours after we have submitted your information. Read more about the MID and why it is relevant to your temporary car insurance policy.
Will getting temporary car insurance through One Day Insurance affect the vehicle owner's No Claims Discount?
Since temporary insurance is short-term and separate from your regular annual insurance policy, any claims made under temporary coverage should not affect the No-Claims Discount associated with your main policy.
Does One Day Insurance's hourly car insurance cover learner drivers?
No, at One Day Insurance we cannot provide hourly short-term cover for learner drivers.
Guides and inspiration
Get informed, get inspired – read our blogs to find out more about short-term car insurance and how it could be the solution for your driving needs.
