Cheap Hourly Car Insurance

Comprehensive Hourly Car Insurance for ages 17 to 25, Low Excess, Instant cover available in minutes

Temporary Car, Van & Learner Driver, insurance quotes from Insurance providers including

Tailored quotes from a panel of temporary car insurance NI Specialists

Can you get insured on a car for a few hours?

It is now easy to quickly get car insurance for a few hours. In the past this would have been difficult if not impossible, but the demand for this product has given rise to a host of companies that deal exclusively in temporary car insurance. We work with Go Shorty who pride themselves in providing short term ca and van insurance to s f NI and UK licence holders. Other names that provide this type of cover include Cuvva, Veygo, Dayinsure,Tempcover and Marmalade.

What's the shortest car insurance?

The shortest period of temporary car insurance is one hour and then hourly increments one hour car insurance, two hour car insurance, 3 hour car insurance up to 2 hour cover and then into daily car insurance. Maximum period is 28 days or monthly car insurance.

How much does temporary hourly car insurance cost?

The costs of hourly car insurance will depend on a number of factors. Two leading factors will be the car itself and the drivers claims history. When looking at the car, the insurance category will play a leading role in determining the hourly rate. Similar to standard car insurance, cars in the higher category will be more expensive to insure on a short term basis than cars n the lower brackets. The second important factors is the driver, drivers with a history of making claims will pay higher premium. Other factors include your profession, for example, NHS staff car insurance will be cheaper than a profession that involves time on the road. 

*** This is a rough guide only, the actual cost will depend on the vehicle and the driver
1 Hour Car insurance£18
2 Hours Car insurance£19
3 Hours Car insurance£21
4 Hours Car insurance£23
5 Hours Car insurance£25

How long does it take to get hourly car insurance?

Getting cheap hourly car insurance is amazingly quick, under 5 minutes if you have all the details to hand, and you qualify, please see qualifying criteria under its separate heading 

Hourly car insurance qualifying criteria

Driver qualifying criteria

  • Private Car driver aged 18 to 75
  • Commercial Vehicle driver aged 21 to 75
  • Held licence for at least 6 months
  • Licence types :UK, NI and EU/EEA
  • Number of claims over past 3 years less than 3, i.e. maximum of 2 claims 
  • Number of penalty points over past 3 years, maximum 6 points 
  • No driving ban in the last 60 months
  • No conviction for any criminal offence or any possible prosecution pending.
  • Has not ever been refused insurance, had a policy cancelled or voided

The vehicle qualifying criteria

  • Maximum value of car £60,000
  • No more than 8 seats and is NOT a rental vehicle
  • Held licence for at least 6 months
  • Not modified, but okay if modified for disabled driver
  • Not imported, not left-hand drive 
  • Has a valid MOT and is not declared as SORN

Does hourly car insurance cover business use?

The cover includes Social, Domestic and Pleasure + Commercial. Commercial use enables you to use your car to commute to work or visit clients. Commercial use does not provide cover for hire and reward services, example providing a delivery service working as taxi driver. At the moment, no providers offers temporary hire and reward insurance on an hourly basis.

When would I need hourly car insurance?

Hourly car insurance is in huge demand because it provides cover for just the amount of time that you need, some examples include:

  • Driving a new car purchase home
  • Sharing the driving there and back on a long drive or trip.
  • Borrow a van for a few hours, in this case you will need hourly van insurance, both are readily available.,
  • Taking your driving test, in this you may need 1 day car driving test insurance
  • An emergency when you need to drive a car that you do not own.

Is comprehensive hourly car insurance available?

We have partnered with Goshorty who only offer fully comprehensive hourly and daily car and van insurance, other providers may provide third party cover.

Will an hourly policy affect my NCB (no claims bonus) if I have an accident?

How old do I have to be to get hourly car insurance?

This will depend on the use. If you are a learner driver, then hourly or daily cover is available for age 17 - 25. If you have your licence and need temp insurance purely for social use, then cover is available for ages 18-75. For business or commercial use, the age band is then 21-75

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