Temporary car insurance

Flexible and immediate short term cover
If you need short term insurance cover immediately, RAC can provide a flexible and cost effective way to make sure you’re protected. Our temporary car insurance is designed to cover you to drive another car — or insure someone else to drive your car.
Daily insurance — short term cover starts from one day (up to 28 days), and you can pay by the day
Instant cover — if you need insurance urgently, cover can start immediately
Range of vehicles covered – we can provide cover for cars, vans and motorhomes, and European driving cover and breakdown cover can be added too
Flexible short term cover — benefit from the flexibility of driving another car, or insuring extra drivers on your car
Instant peace of mind – our Temporary insurance provides a range of benefits as standard, such as accidental damage, new car replacement, accident recovery and legal liabilities
Compare the full list of benefits provided by our levels of cover.
Flexible short term cover when you need it
Short term car insurance is designed for customers who require temporary motor insurance from one to 28 days — perfect and convenient if you need to drive a vehicle for just a short period. Temporary car insurance can be required for a range of different circumstances, including the following:
You want to test drive a new car
You are using someone else’s car for a short business trip
You are borrowing a van to move house
You are a student borrowing a parent’s car to transport your things to university or college
You are driving a friend’s or family member’s car and need short term cover
You are planning a road trip and want to share the driving
You are borrowing a campervan for a holiday or festival
You are in-between annual car insurance policies and need to bridge the gap for a few days
You’re car sharing with a colleague for a short while and need to drive their car
5 Star Rated Car Insurance Plus — only available direct from the RAC
Cover for less than £170* (that’s what 10% of our customers paid)
As the motoring experts, we search a panel of carefully selected insurers to give you our most competitive price. And with 120 years’ experience of serving customers, you know you’re in safe hands when you buy with the RAC.

Uninsured driver promise – so you won’t lose your no claims bonus if your car’s vandalised or hit by an uninsured driver
5 Star rated cover – RAC Car Insurance Plus has been awarded 5 stars by independent financial research company Defaqto
RAC member discount^ – meaning our members pay £111 less on average for RAC Car Insurance than non-members
Free Motor Legal Protection – benefit from free Motor Legal Protection cover of up to £100,000 for the first 12 months of the policy, if selected
Multicar Insurance
Cover for the whole family with 10% RAC Multicar discount2
If you have two or more cars in your household you could save with multicar insurance. For every additional car in your household you insure with us, you’ll receive a 10% discount off the premium.

Separate no claims bonus for each car — so yours won’t be affected if another policyholder has a scrape
RAC member discount — If you are an existing RAC Breakdown member, you will also get an extra discount, just for being an RAC member3
Friends, family and housemates can benefit from discount — as long as you all live at the same registered address
5 Star rated cover – RAC Car Insurance Plus has been awarded 5 stars by independent financial research company Defaqto