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Hourly Car Insurance

1 hour to 4 weeks

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Hourly Car Insurance

1 hour to 4 weeks

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


Fill out our quick online form


Get an online quote & choose your options


Just pay online & you are instantly insured!

Car Insurance by the Hour

GoShorty is an expert in temporary car insurance, and we offer short term cover for as little as one hour. And with GoShorty you can be sure that getting the perfect quote isn’t going to be a pain. Our simple to follow process allows you to get a quote in under 90 seconds, meaning you can be on the road in under two minutes.

 If you just need to use a car for a short time, hourly car insurance will let you do that without risking the owner’s No Claims Discount.

You can take an hourly car insurance policy out from anywhere between 1 hour to 12 hours at a time. You’ll have your hourly insurance policy documents delivered right to your email inbox as soon as you’re approved. Get driving in minutes and you’ll be protected should the unexpected happen.

So whether you’re borrowing a friend’s car, going for a test drive, or just need to quickly get from A to B, put your mind at ease with hourly cover. Protect both you and the owner’s No Claims discount all while saving money compared to being added to an annual policy.

  • Fully comprehensive cover
  • 1 hour to 28 days flexible cover
  • Low Excess
  • Drivers aged 19 to 75
  • Maximum car value is £65,000
  • Protect the car owner’s No Claims Discount

What is Hourly Car Insurance?

Hourly car insurance is an affordable way to get short term cover when you only need to drive your car for short periods. Maybe you want to insure your child for a couple of hours a week while they are a learner driver, or you’re car sharing, doing a long drive from Cornwall to Newcastle, and your friend is helping out with the driving. Hourly car insurance stops you from having to add someone to your insurance for a long period of time or risking your No Claims Discount.

It allows you to get the cover you need for exactly how long you need it – a great way to reduce outgoing costs.

How Much is 1 Hour Car Insurance?

Hourly car insurance is a flexible alternative to an annual policy. Whether you’re just making a quick trip or need to borrow a friend’s vehicle, we have an affordable option for you.

The exact cost of your policy will depend on a couple of factors that insurers will take into consideration. These include:

  • Previous accidents – Even if an accident wasn’t your fault, prior claims can affect the cost of an hourly car insurance policy. 
  • Personal details – We pride ourselves on our flexible acceptance criteria, which allows us to insure more people. That said, your personal circumstances, like your age and driving history – can still impact the cost of your cover.
  • Location – It’s a fact of life that you’re more likely to make a claim depending on where you are. Some locations are seen as higher risk than others, which will need to be considered when you receive your quote. 
  • Type of vehicle – Your vehicle size and model can impact your quote. Whether you drive a car or a van, vehicles with smaller engines are often cheaper to insure.
  • Car insurance excess – The amount of excess you choose to pay can impact the cost of your claim. Make sure not to select an excess over your budget.
  • Length of policy – The longer you need cover for, the more your policy is likely to cost. Which is why hourly insurance can be a great way to save money, if you don’t need a car all that often. 

It’s important to understand how many variables go into determining the cost of your policy. GoShorty makes all of this quick and easy for you. 

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Get Car Insurance by the Hour, Day, Week or Month with GoShorty.

 What are the Uses of Hourly Car Insurance?

Not sure whether hourly 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. Hourly car insurance is ideal for:

Car Sharing: Especially if you’re going on a long journey and want to share the driving load 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. We offer specific learner driver insurance policies, perfect for this.

Test Driving a Car: When you’re buying a car second hand it’s a great way to get behind the wheel without the risk. Drive away insurance allows you to test drive a car in minutes and with peace of mind.

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

Borrowing a Car: Need to run one short errand? that requires borrowing a car? Taking out a policy just for the time you need is the safest and simplest solution.

Can I Get Hourly Car Insurance – Am I Eligible?

Yes, you can insure a car by the hour, but not everyone will be eligible for short term car insurance.

You’ll need a valid UK driving licence, the vehicle owner’s permission, and a few other things to qualify for hourly insurance cover. We’ve broken it down here:

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. This is emailed to you as soon as you have purchased your policy.


  • Cars and Commercial Vehicles (up to 3.5 tonnes)
  • Minimum value Cars and Vans: £1* subject to age restrictions
  • Maximum value Cars: £65,000
  • Maximum value Vans: £65,000
  • 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
  • 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 and not modified (factory fitted extras or modifications for a disabled driver or passenger, or LPG conversions are acceptable).
  • Has no more than 7 seats and is not a rental or hire vehicle (if commercial – no more than 5 seats)
  • 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.


  • Private Car – driver aged 19 to 75
  • Commercial Vehicle – driver aged 21 to 75
  • Has 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)
  • Has not ever 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

Hourly Car Insurance FAQs

What does 1 hour car insurance cover?

When you take out hourly car insurance with us we cover you fully and comprehensively. We will cover you and your vehicle for:

  • Any accidental damage to the insured vehicle or damage to another vehicle.
  • Personal injury to you or anyone else involved in an accident.
  • Damage to other people’s property due to the result of an accident relating to the insured vehicle.
  • Cover for any personal belongings that are damaged or stolen from the vehicle.

Compare fully comp cover to third party cover, so you can see for yourself why fully comp is the safest choice

Does my GoShorty hourly car insurance policy cover a newly purchased car?

Yes, GoShorty can insure you from the moment a car is purchased. Whether you’re driving it away from the showroom or taking it for a test drive you can be confident that you’re covered. Insuring a new car with a short term hourly policy is a great choice, allowing you to spend the time you need researching an annual policy but still allowing you to tax your vehicle.

How does hourly car insurance work?

Hourly car insurance covers you to drive a vehicle for anywhere between 1 hour to 12, depending on the length of cover you opt for.

Whether you are borrowing a car or insuring your own just when you need to use it, we can provide you with a quote in as little as 90 seconds and your hourly insurance policy can be in place in under two minutes. Meaning you can be on the road and covered over the time period you took out cover for.

When would I need hourly car insurance?

There are plenty of times when you might need hourly car insurance. Maybe you’re taking a road trip with friends and want to take turns driving. Or you’re a learner looking to get a few extra hours of practice in your parent’s vehicle. Whatever the reasons you may only want to insure a car for an hour or two are, we have the policies for you.

Can you get learner insurance for an hour?

Yes, we offer short term learner insurance for an hour too. It’s important for learners to get as much practice as possible before their test. Flexible short term cover can help you get the practice you need around your own schedule.

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

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