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Monthly car insurance is a flexible, temporary policy designed to give you comprehensive cover on a vehicle for up to 28 days. It’s the longest temporary car insurance option we offer at GoShorty. It’s the perfect middle ground when an hourly or weekly car insurance policy is too short, but a standard annual contract is far too long.
With one month of car insurance, you get all the protection of a standard policy without any long-term commitment, auto-renewals, or annoying cancellation fees. It’s simple, standalone, comprehensive cover that allows you to drive safely and legally within the UK.
If you’re heading home from university for summer or Christmas, the last thing you want is to lose your independence. Rather than the faff of being added as a named driver on a car you’ll only use for a couple of months a year, you can simply take out a month of cover on a borrowed vehicle. This is often the best car insurance for students who want to use the family car for a few weeks, keeping you mobile without risking the owner’s NCD or paying for premium hikes.
If you’re visiting family in the UK from abroad and still have a valid UK licence, getting expat car insurance for up to 28 days lets you borrow a vehicle and travel comfortably. It gives you the freedom to get around without having to rely on friends and family for lifts everywhere.
Perhaps you’re selling your car and just need to keep it covered until the sale goes through, but your annual policy is about to expire. Or, maybe you need to park a vehicle on the street that you’d usually keep off-road. Under UK law, you can’t park a car on the road without insurance and tax, even if you aren’t driving it. Monthly cover is a brilliant way to keep your vehicle protected and road-legal without being tied into a costly long-term contract.
If you want to help a relative get around for a while, lending a car to family members is incredibly straightforward. If someone needs to borrow your car for a month, getting them to take out their own monthly policy is a lifesaver. It means you won’t have to pay admin fees or premium hikes to add them to your annual insurance. Best of all, it keeps your hard-earned No Claims Discount (NCD) completely protected if they have an accident.
If you’ve recently passed your test and want a dedicated month of regular practice, or you haven’t been behind the wheel for a while, a month of cover is the perfect solution. It’s an excellent, low-pressure way of building your driving confidence in a family member’s vehicle before committing to your own annual policy.
Our monthly policies operate as completely separate, standalone insurance. This means if you’re borrowing a vehicle, the owner’s insurance is completely unaffected.
If you’re involved in an accident while driving under a monthly policy, the claim is handled entirely through the monthly policy. The main vehicle owner’s annual insurer is not involved, which means the owner’s personal No Claims Discount (NCD) is 100% protected.
This makes it much simpler to sort out someone else driving your car or to arrange to get insured on someone else’s car without the stress of altering annual contracts. It also allows for two people insuring the same car temporarily with absolutely zero crossover or risk.
According to data from the Association of British Insurers, the average annual cost of comprehensive car insurance in the UK is around £560. If you only need a vehicle for a month, paying for a full year of cover and facing admin fees to cancel early can be incredibly expensive.
Taking out 1 month of car insurance is a much more cost-effective alternative because you only pay for the exact 28 days you need. Our prices for a month of cover start from £81.41*. The exact cost you’ll pay for 1 month of car insurance will depend on a few factors, including:
Your Age and Experience: Younger or newly qualified drivers generally pay slightly more, while more experienced drivers will find cheaper monthly car insurance options.
The Vehicle Details: The car’s insurance group, age, and value will play a role in calculating your quote.
Your Location: Where you live and where the car is parked overnight can affect the overall premium.
To see exactly how much you can save, you can get competitive monthly car insurance quotes tailored to you in just a couple of minutes.
We want to make temporary insurance as accessible as possible. To qualify for our monthly cover, you and the vehicle must meet our standard criteria. For full eligibility criteria, see our Who We Cover page or check a specific insurer’s requirements.
Chris Penfold – Director of Underwriting
“We understand that rigid annual contracts don’t make sense for modern drivers. Life moves fast, and our monthly car insurance is designed to move with it. Providing up to 28 days of comprehensive cover gives you the flexibility to borrow a car, help out family members, or manage a temporary driving need without the heavy financial burden or commitment of a year-long contract. It is all about giving you peace of mind, with none of the usual administrative hassle.”
If monthly isn’t right for you, we also offer temporary car insurance for other durations:
If you need to insure a borrowed vehicle, the first thing you’ll need is permission from the car’s owner. Once that’s sorted, our online quote form is simple to fill out. To get your quote in minutes, you’ll just need to provide:
Yes, absolutely. With GoShorty, you can easily set up a temporary comprehensive policy that covers you for a duration of up to 28 days at a time. It takes less than two minutes to get a quote and arrange cover, meaning you can be legally on the road in no time.
Yes, we offer plenty of options if you don’t need cover for a full 28 days. You can choose from hourly or daily durations, or opt for a weekly car insurance policy if you only need a vehicle for a week or two. You only ever pay for the time you actually need.
Our short-term policies run for a maximum of 28 days. If you find you need the vehicle for longer, extending your cover is incredibly easy. You simply need to buy another policy to start as soon as your current one expires. You can do this in under 30 seconds by logging into your secure YourGoShorty account or using our mobile app.
Reviewed by Chris Penfold, Director of Underwriting – July 2026
Want to learn more about temporary car insurance? Take a look at our guides to see if monthly car insurance is right for you and discover its many uses.
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