Get insurance as and when you need it with temporary car insurance. Our pay as you go insurance offering allows you to take out a policy for as long as you need it (from 1 hour to 28 days). Get a quote in under two minutes and be on your way, thanks to the truly flexible offering of our PAYG temporary insurance.
Whether you’re an infrequent, low-mileage driver or are looking to borrow someone else’s car this can be the perfect solution, offering a flexible alternative to traditional long term insurance.
To meet the growing demand that standard car insurance policies don’t cater for, we offer pay-as-you-go car insurance in the form of temporary cover for motorists with infrequent driving habits. The benefits of using temporary cover for your pay as you go insurance needs includes:
Pay as you go (PAYG) car insurance is a more flexible alternative to an annual policy, ideal for infrequent drivers. Typical PAYG temporary car insurance is not the same as temporary car insurance. However, our temporary insurance policies can work wonderfully as a type of PAYG insurance. Simply insure the vehicle when you need it for the duration you need, saving yourself money as you will only be paying for insurance when you need it. This works especially well if you are looking to borrow someone else’s car.
Our answer to pay as you go insurance is flexible, affordable and perfect for many uses…
The types of policies offered under temporary car insurance include:
Hourly car insurance for people who borrowed a vehicle from a friend or family member for less than a day.
One-day car insurance is the ideal choice when moving.
Weekly car insurance and monthly car insurance coverage is ideal for when you’ll be using a car more frequently over a short space of time.
Temporary learner insurance or driving test insurance, just pay for learner insurance when you’re practising, rather than wasting money on an annual policy – a great way to save money with a pay as you go model.
Driveaway insurance is perfect for when you are investing in a new car. Opt for driveaway cover for exactly how long you need it, to give you time to get your new wheels home and decide on the best annual policy for you.
Temporary student car insurance is perfect for students returning home from university, needing to be insured on the family car for a short period of time.
Temporary business car insurance if you’re driving for work outside of your regular commute, you’ll need a policy that covers you specifically for this. Regular annual policies likely won’t. You can easily get a temporary policy with us for the duration you need to guarantee the correct cover for your trip. Another great way to use our pay-as-you-go insurance offering.
Typical pay-as-you-go car insurance are annual policies that offer lower premiums based on how much you drive. If you drive infrequently or are looking for pay-as-you-go insurance to borrow someone else’s car then temporary car insurance could be your ideal solution.
Pay-as-you-go insurance could be the ideal choice if you are not satisfied with the premium you’re paying currently. The main benefit of this insurance policy is its flexibility. With a typical PAYG policy you only pay according to the miles driven each month. But if you have to drive further, you could face higher premiums. With temporary insurance, you pay for the duration you need insurance for, not how far you drive. By choosing temporary insurance you can just take out a policy as and when you need it (in under two minutes). Our temporary pay-as-you-go offering is perfect for one car households and those who don’t drive that often.
Cars always need to be insured, even if they aren’t being driven (unless SORN), so if you are the sole insurer of the car, temporary cover may not be right for you and a typical PAYG policy may be best as it provides continuous cover. But if you share your car as a household or regularly borrow someone else’s car then taking out temporary policies as a form of PAYG insurance is a great idea.
Our temporary insurance options that can work as pay-as-you-go insurance have many benefits, but keep in mind they are temporary policies. If your car will be left completely uninsured in between temporary policies you take out, look for an alternative like an annual policy instead. But if you are happy with pursuing temporary pay-as-you-go insurance for the next time you need to use a car, these are some of the benefits you can expect:
All of our temporary policies, no matter the duration, are comprehensive in the cover they offer. This means that you can drive with the peace of mind that you and your vehicle are well protected.
Any accidental loss, theft or damage to your vehicle can get claimed against your insurance policy. Since comprehensive cover is the highest level of coverage, you can choose this policy to protect yourself from the expenses of repairing any damage to your vehicle.
If your vehicle gets stolen, our pay-as-you-go insurance policies will provide pay-outs if your car can’t be recovered. See individual policy wording documents for full details.
If you are taking out a temporary policy on someone else’s car, you’ll protect their no claims discount if you even have to make a claim. As your PAYG policy will sit separately to their annual policy.
All our Short Term Insurance policies are submitted to the Motor Insurance Database (MID) twice a day 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, and you can access it 24/7 by logging into Your GoShorty.
Before you get a pay as you go car insurance quote, you should check that you’re eligible. You’ll need a valid driving licence and the vehicle owners permission, at the very least. There are a few other things needed to qualify for the PAYG car insurance policy. We’ve broken it down here:
Vehicles:
Drivers:
To apply for PAYG insurance, applicants should submit pertinent vehicle information, especially regarding ownership. The application procedure will also require essential details such as vehicle registration and roadworthy assessment results.
At times, you might need PAYG insurance for a limited period. When applying for your policy, you will have the opportunity to stipulate the estimated policy duration. Our policies start from as little as one hour, up to 28 days.
Some personal details relevant to the application get required during the application process. These personal details include identification documents, proof of residential address, and other documentation that could get requested on-demand. In addition, your banking details will also get requested if the application gets approved for billing.
With typical pay-as-you-go car insurance a black box is sometimes required, to accurately record how far you are driving. This will vary between insurers though. If you were to opt for GoShorty temporary insurance instead, no black box is required as you are paying for the time you will be driving rather than by miles.
Each pay-as-you-go insurance provider will have their own acceptance criteria. Find out more about who we cover, if you’re interested in temporary insurance instead.
No, temporary car insurance and PAYG insurance are different. PAYG insurance will be an annual policy that will insure you all year round, but your payments will depend on how far you drive. Temporary insurance will cover you for the duration of time you pay for only.
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