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Additional Driver Insurance

1 hour to 28 days

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Additional Driver Insurance

1 hour to 28 days

Tell us your details: get a quote for 1 hour car insurance instantly.

About the car you want to temporarily insure.

Vehicle Registration Logo
Don’t know the reg? Click here.

Get quotes, buy online and be on your way in less than 2 minutes!

Get instant online cover from 1 hour to 28 days, in three quick & easy steps


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Instant additional driver insurance

If you’re looking to temporarily insure an additional driver to drive your car, GoShorty has cover for you.

With options from as little as one hour to 28 days, additional driver insurance from GoShorty is the best option if you’re looking for standalone cover that won’t affect your No Claims Discount in the event of a claim.

  • Fully comprehensive cover
  • 1 hour to 28 days flexible cover
  • Low Excess
  • Drivers aged 18 to 75
  • Maximum car value is £65,000
  • Protect the car owner’s No Claims Discount

What is additional driver insurance?

Additional driver insurance, sometimes known as named driver insurance, provides cover for drivers who have permission to use a vehicle they don’t own.

There are several ways of insuring an additional driver to drive your vehicle. This includes adding them as a named driver to your existing car insurance policy or DOC cover (drive other cars cover). DOC cover allows you to drive other cars with the owner’s permission without being added as a named driver on their existing insurance policy.

However, these are often costly and long-term solutions.

The most flexible option is to take out temporary car insurance with GoShorty. By doing this, the additional driver won’t be stuck in a long-term policy and will only pay for the cover they require.

The main driver will also rest assured knowing their No Claims Discount will remain intact if the additional driver has to make a claim. This wouldn’t be the case if the additional driver was added to the main policy as a named driver.

Get car insurance by the hour, day, week or month with GoShorty.

What are the uses of Temporary Car Insurance?

Not sure whether temporary insurance cover is right for you? You’ll find that temporary car insurance cover is perfect for anyone who just needs to be insured on a car for very short trips. Temporary car insurance is ideal for:

Car Sharing: Especially if you’re going on a long journey and want to share the load on driving with a friend or family member.

Learner Drivers Who Wish to Practise: Getting in the extra hours outside a lesson without breaking the bank can be crucial to a speedy pass.

Test Driving Multiple Cars: When you’re buying a car second hand it’s a great way to get behind the wheel without the risk

Emergencies: Need to be somewhere quickly, but you’re not insured on someone’s car? Daily insurance could be just the ticket.

Borrowing a Car: Need to run one short errand? Daily insurance is ideal for short term cover.

Driving A New Car Home: Once you’ve bought a new car you need to insure it, however you might not have an annual policy lined up. Daily insurance will allow you to drive away in your new car without issue, and give you cover for driving for the rest of the day.

Can I get short term additional driver car insurance – am I eligible?

MID: Please note that all our Short Term Insurance policies are submitted to the Motor Insurance Database (MID) at midnight every day. We recommend always having a copy of your Insurance Certificate with you during the period of cover.


  • Cars and Commercial Vehicles (up to 3.5 tonnes)
  • Minimum value Cars and Vans: £500 subject to age restrictions
  • Maximum value Cars: £60,000
  • Maximum value Vans: £25,000
  • Social, Domestic and Pleasure or Social, Domestic and Pleasure + Commercial use only – usage will be restricted to social domestic and pleasure purposes, which includes commuting and personal business use only
  • The vehicle must be registered in the UK
  • Foreign use is not permitted
  • Not for exporting – journeys must start and end in the UK
  • Is not imported or left-hand drive
  • Has no more than 8 seats and is not a rental or hire vehicle (if commercial – no more than 5 seats)
  • The vehicle must not be modified. LPG conversions and Disabled Modified are acceptable
  • Have a valid MOT (if required), is NOT declared as SORN (off-road) with DVLA and has NOT been seized by the police.
  • Not to be used for impounded or seized vehicles (unless specified as impounded cover)
  • Not to be used for any form of motor racing, pacemaking, track days, motor trade usage or hire and reward
  • Not for carrying hazardous goods or use at a hazardous location
  • There is no cover under this policy for vehicles which are insured, owned by, operated by, supplied by, hired or rented from any Claims, Credit hire or Accident Management Company.

Drivers must:

  • Private Car driver – aged 18 to 75
  • Commercial Vehicle – driver aged 21 to 75
  • Must have held your driver’s license for at least 6 months
  • License type: Full UK or EU/EEA for at least 6 months if aged 18 to 25, or 3 months if aged over 25
  • The number of accidents, claims or losses in the last 3 years must not exceed 2, regardless of fault
  • No more than 6 penalty points in the previous 3 years
  • Resident in the UK for 12 months minimum
  • Have a current permanent address as stated throughout this application (please note you may be asked to provide proof of residence in the event of a claim)
  • Never been refused insurance, had a policy cancelled or voided
  • No driving ban in the last 60 months
  • No conviction for any criminal offence or any possible prosecution pending.

Additional driver insurance FAQs

How much does it cost to add an additional driver to my car insurance policy cost?

The cost of adding an additional driver varies depending on the age and driving history of the additional driver. The method of adding an additional driver will also impact the cost.

One way of providing an additional driver with cover to drive your vehicle is by taking out temporary car insurance. This low-cost option protects the main driver’s no-claims bonus and can be taken out for short periods when required.

What are the benefits of having an additional driver on my car insurance policy?

Adding a named driver to an existing car insurance policy can reduce your insurance premiums overall.

However, adding a higher-risk driver can increase premiums significantly and put your no-claims bonus at risk in the event of an accident.

How do you add a named driver to an existing car insurance policy?

You’ll need to contact your insurance provider to add a named driver to your existing car insurance policy. This process will likely have admin fees, and your premium may increase. 

A much quicker and more straightforward option may be to take out temporary additional driver car insurance, which allows you to only take out cover for the required duration.

Do additional drivers need their own insurance?

If the required driver is stated as a named driver on your insurance policy, they won’t require their own separate insurance. However, in the event of an accident involving the additional driver, the main driver’s no-claims discount will not be protected, and your premiums will likely increase.

A safer way to insure an additional driver would be to take out temporary car insurance. This way, they have fully-comprehensive cover they can take out whenever required (with the owner’s permission). This is a standalone policy, so it won’t affect the main driver’s premium or no-claims discount if the additional driver makes a claim.

What happens if the additional driver has an accident?

If the additional driver has their own standalone car insurance, like temporary car insurance from GoShorty, the main driver’s premiums and no-claims bonus will not be affected.

Whereas, if a named driver on your existing policy has an accident in your vehicle, you’re fully liable for the claim as the main policyholder.

Does an additional driver have to live with you?

No, an additional driver does not have to live with you. 

For temporary car insurance policies taken out at GoShorty, as long as the additional driver has lived in for 12 months and has a permanent UK address, they can take out additional driver insurance with the main driver’s permission.

Not found the answer you’re looking for? Either get in touch or checkout our other FAQs