Temporary car insurance

Flexible and easy temporary car insurance with cover from 60 minutes to 28 days. Add Zixty Miles to any policy for free and offset your driving CO2. Get some cover and be on the road in minutes. Short-term car insurance with an eco conscience? That’s the Zixty way.

Temporary car insurance

Temporary car insurance offers easy and flexible short-term insurance for a wide range of needs. Whether you own a car and need some insurance, want to share a car with a friend or relative, or want to borrow a car, temporary car insurance is an easy and flexible way to get short term cover for a wide range of needs.

Temporary cover gives you the flexibility to pay only for the time you need – whether that’s one hour, one day insurance, or one month insurance. If you’ve only paid for a short time and need more time, that’s no problem – your details are saved and getting more cover takes a few taps. Temporary car insurance can be taken out alongside an annual policy, and the vehicle owner’s No Claim Discount won’t be affected if you need to make a claim.

Temporary car insurance on a friend’s car

Temporary car insurance can be the perfect way to share a car with a friend, or to borrow a car to get some life done. They won’t need to pay to add you to their existing policy, and in the (unfortunate) event that you need to claim, their No Claim Discount won’t be affected.

How much does temporary car insurance cost?

With cover starting from as little as an hour, you can buy only the cover that you need. And if your plans change, get more cover in a few taps. Easy.

How much does short-term insurance cost?

1 day

from just

£11.71

3 days

from just

£19.97

7 days

from just

£39.48

Insure with confidence

Our temporary car insurance is backed by trusted insurance names, and as part of the British Insurance Brokers Association, you can be confident that you’re dealing with a legit business. Our insurance activities are also regulated by the Financial Conduct Authority, providing more reassurance that you’re in safe hands.

What we’re about

Times change, and insurance needs to keep pace. Zixty exists to provide short-term car insurance that’s transparent, fair. and most importantly helps people reduce their impact on the environment. By listening to our customers, our future is shaped by your needs.

How does temporary car insurance work?

Temporary car insurance is a flexible type of short-term car insurance. It allows you to drive a car for a short period of time without the need to take out an annual insurance policy. Our short-term car insurance policies provide comprehensive cover from 60 minutes to 28 days, and cover can start in as little as 5 minutes, or up to 28 days in the future.

It takes no time at all to get a quote and buy a policy, and everything you need is right there in the app. When plans change, and you need more cover, it’s just a few taps away. With no annual contract, buy just the cover you need. It’s that easy.

When can I use temporary car insurance?

Temporary car insurance is designed to meet today’s busy lives – flexing to accommodate a wide range of situations. Maybe you’ve bought a car, and need to get it home so that you can sort out an annual policy. Or you’re test driving a car, and need to be insured while you take it for a spin. Perhaps public transport normally gets you from A to B, but it’s not running (imagine that!) or it doesn’t get you to your grans in the middle of the nowhere, or the beach in time for sunrise. Planning on buying a load of flat-pack, and don’t fancy carrying it home? Borrow a friend’s car, and save your back. Want to borrow a car for a special occasion? No problem with our short-term car insurance. Whatever job you need to do, journey to make, or adventure to explore – Zixty is there.

Temporary car insurance with a conscience

Temporary car insurance from Zixty is designed for people who want speed and flexibility from their insurance, but where reducing the environmental impact of driving is important to them. By adding Zixty Miles to your policy for free, we’ll carbon offset your policy, as well as carbon offsetting up to 100 miles a day while a customer.

Key features
  • Comprehensive cover
  • Replacement lock/ key cover
  • New vehicle replacement*
  • Social, Domestic, and Pleasure
  • Personal Business Use
  • Breakdown & Excess Protect add-ons
  • Legal Liability Cover
  • Medical Expenses Cover
  • Foreign Travel**

Tailor your cover

  • Excess Protect : Protect £250 of your excess
  • Breakdown cover : Home-start, roadside, and nationwide recovery with our trusted network
  • Zixty Miles : Offset the CO2 from up to 100 miles per day for free

Love the planet

Add Zixty Miles to your policy for FREE and we’ll offset the CO2 from up to 100 miles of driving each day you’re with us. By driving really carefully, we may offset even more CO2 than the driving produced – making your journeys carbon negative.

Get insured. Offset your CO2. Smile!
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Extra

Breakdown cover
Excess Protect
Zixty Miles

Zixty Miles

CO2 offset your policy
CO2 offset your driving
Get tailored driving tips

Feel Good

Offset your CO2
Save fuel
Smile

Key criteria
Driver
  • Age : 19 to 75
  • Licence : Full UK DVLA issued
  • Licence length : Held 6 months or longer
  • Disqualification : Not been banned in last 5 years
  • Points : No more than 6 valid points
  • Occupations : Certain occupations excluded
  • Residency : UK resident for 12 months or more
  • Drivers : One driver only
  • Claims : No more than 2 claims in the last 3 years
Vehicle
  • Value : Up to £50,000
  • Age : Up to 20 years old
  • Private car : Private cars only
  • MOT : Must have a valid MOT
  • Permission : Must have owners consent
  • Modifications : No after market modifications
  • ABI Group : Up to Group 45
  • Registration : UK registered right-hand drive
  • Usage : No rental/ hire cars

Temporary car insurance guide

What level of cover does temporary car insurance provide?

Zixty temporary car insurance provides comprehensive cover for Social Domestic and Pleasure purposes as well as for commuting to your normal place of work. We also cover business use (Class 1) which covers driving to and from other business locations in your normal course of work for your main occupation (please note no delivery or taxi use is covered). Like most short-term car insurance policies it doesn’t cover Glass (including windscreens).

Who takes out temporary car insurance if I’m borrowing a car?

The person who will be borrowing and driving the car needs to download the Zixty app and take out the policy. If you’re lending a car we’ll advise you via email when the policy has been set up. The borrower will need to know the lender’s email address so that they can receive the policy notification.

Who takes out temporary car insurance if I’m lending a car?

Zixty temporary car insurance includes commuting to and from your normal place of work. We also cover business use which covers driving to and from other business locations in the normal course of work for your main occupation. Please note that delivery and taxi use are not covered.

Does temporary car insurance cover business use?

Zixty temporary car insurance provides you with Comprehensive cover for Social Domestic and Pleasure purposes as well as for commuting to your normal place of work. We also cover business use (Class 1) which covers driving to and from other business locations in your normal course of work for your main occupation (please note no delivery or taxi use is covered). However, like most short term policies it doesn’t cover Glass (including windscreens). You need to ensure that the cover meets your needs before buying a policy.

Can I get 1 hour temporary car insurance?

Zixty temporary car insurance can cover you from 1 hour up to 28 days. If you need longer than 28 days then you’ll need a new policy, which is quick and simple to arrange. Short term insurance isn’t really designed for longer than 28 days and it may be more cost effective to look at other insurance products that are more suitable.

Does temporary car insurance allow me to tax my car?

Taking out a Zixty temp cover policy will enable you to demonstrate that you have a valid insurance policy in place when taxing your vehicle. The DVLA uses the Motor Insurance Database (MID) to get confirmation that the vehicle is insured, and it can take up to 48 hours for this to include details.

Can I use temporary car insurance to learn to drive?

We currently only insure people who have held a full UK DVLA issued driving licence for 12 months or more.

Do I need to own a car to take out temporary car insurance?

No. A lot of customers take out Zixty insurance because they’re borrowing someone else’s car. The owner/ lender of the car will be notified by email that cover is being arranged.

Temporary car insurance FAQs

Do the vehicle and policy get registered on MID?

We will ensure the vehicle is uploaded to the Motor Insurance Database (MID), and removed when cover ends.

Please be aware that it can take up to 48 hours for MID to be updated – something that’s common to all car insurance companies. If you get stopped by the police, your app holds proof of your insurance.

Does temporary car insurance affect the lender's NCD?

Your Zixty short-term car insurance policy supersedes the lender’s policy while in force. If you need to claim against your Zixty policy, the lender’s No Claim Discount will not be affected.

Does temporary car insurance cover a test drive?

Provided that you have the owner’s permission and the car has a valid MOT, a Zixty short-term insurance policy is designed to cover a test drive.

Does the car need to be insured elsewhere?

As long as the car has a current MOT, and provided you have the permission of the owner (where applicable), no other car insurance is required.

Can temporary car insurance cover start immediately?

Once you’ve bought your policy it takes just a few minutes to get you on the road (if you want immediate cover). Please check your documents for the exact start time of your policy.

Can I drive a SORN vehicle?

A Zixty short-term policy does not cover SORN cars

Can I take out cover to take my car to get an MOT?

A Zixty policy cannot provide cover to take a car for an MOT if the MOT has already expired.

Can I drive abroad with temporary car insurance?

Zixty policies provide the minimum level of cover required by the laws of compulsory insurance for you to use the vehicle on road in any country that is a member of the European Union, and any country that has agreed to follow the European Union directives relating to compulsory motor insurance and is approved by the commission of the European Union. Please refer to your policy wording for full details.

Temporary car insurance help and guides
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Breakdown Cover

Zixty Rescue Breakdown cover is designed to get you moving and keep you moving.

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Excess Protect

Claim back £250 of your Excess in the event of a fault claim on your Zixty policy.

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Zixty Miles

Carbon offset up to 100 miles of driving per day, plus a range of other valuable benefits.

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Carbon offsetting

The Zixty approach to carbon offsetting for free with Zixty Miles.

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Fast. Flexible. Easy.

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