Temporary van insurance: borrow a van without borrowing the risk
Fully comprehensive cover from 1 hour to 28 days: you pay only for the time you need, cover starts immediately after payment, and the owner's no claims discount stays completely untouched.
- Fully comprehensive, from 1 hour to 28 days
- Documents emailed within minutes
- Owner's no claims discount stays protected
- Drivers aged 21 to 75 with a UK or EU licence
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Temporary cover at a glance
What you get
- Fully comprehensive cover from 1 hour to 28 days
- Cover starts immediately after payment
- Insurance documents emailed within minutes
- Vans and commercial vehicles up to 3.5 tonnes, valued up to £65,000
- A separate policy: the owner's no claims discount is untouched
- MID (Motor Insurance Database) updated three times daily
What's not covered
- Drivers under 21 or over 75
- Vehicles over 3.5 tonnes or worth more than £65,000
- Journeys outside the UK: trips must start and end here
- Impounded or seized vehicles (that needs specialist impound cover)
- Hire and reward, motor trade or racing use
- Modified, imported or left-hand-drive vehicles, or vans without a valid MOT
Need the van for more than 28 days? At that point an annual policy is the right tool; we arrange those too.
When short-term beats an annual policy
An annual van policy makes no sense for a van you'll drive for a weekend. Temporary van insurance exists for exactly these moments: borrowing a van to move house, sharing the driving on a long trip, test driving before you buy, collecting or delivering a vehicle, or occasional use of someone else's van.
Because it's fully comprehensive and completely separate from the owner's policy, any claim goes against your temporary cover, not theirs. Their no claims discount stays exactly where it was, which makes lending a van a much easier favour to ask.
Who and what qualifies
The criteria are straightforward, and it's better to know them before you quote than at the roadside. In short: drivers aged 21 to 75 holding a valid UK or EU licence, driving a roadworthy van up to 3.5 tonnes. Cover is for social, domestic and pleasure use including commuting; some policies also cover light commercial use, so check your policy terms or ask us.
- Drivers aged 21 to 75 with a valid UK or EU driving licence
- No driving ban in the last 60 months
- No insurance policy ever cancelled or voided
- Vehicle up to 3.5 tonnes with a maximum value of £65,000
- Valid MOT, not declared SORN
- Not modified, imported or left-hand drive
How fast is it, really?
Our online quote form takes minutes. Once you've paid, cover starts immediately and your insurance certificate is emailed straight to your inbox: no paperwork, no waiting.
One honest caveat on timing: the Motor Insurance Database is updated three times a day, so there can be a short window before a roadside check shows your policy. We recommend carrying a copy of your certificate while driving, so you can show your cover on the spot.
From enquiry to insured in three steps
Tell us what you need
Fill in the two-minute form with the cover you're after and when to call you, or ring us directly on 01323 416706.
We search our panel
Our brokers match your details against a panel of UK insurers and call you back at your chosen time with the options and prices.
Covered the same day
Happy with a quote? We arrange the policy there and then, and email your documents the same day.
Questions drivers actually ask
Straight answers from the team that arranges this cover every day. Anything else? Call 01323 416706 and a human will pick up.
See all FAQsWhat is temporary van insurance?
A short-term, fully comprehensive policy covering you from 1 hour up to 28 days when driving a van you don't own. It's a standalone policy, so it doesn't touch the owner's insurance or their no claims discount. Get a quote online or call 01323 416706.
Who can get temporary van insurance?
Drivers aged 21 to 75 with a valid UK or EU driving licence, no driving ban in the last 60 months, and no insurance policy ever cancelled or voided. If you're not sure whether you qualify, call us; it's quicker than guessing.
Will it affect the van owner's no claims discount?
No. Temporary van insurance is a separate policy in your name. Any claim is made against your temporary policy, not the owner's existing insurance, so their no claims discount stays fully protected.
What vans can be covered?
Vans and commercial vehicles up to 3.5 tonnes with a maximum value of £65,000. The vehicle needs a valid MOT, must not be declared SORN, and can't be modified, imported or left-hand drive. Anything heavier or more unusual needs a different policy; ask us and we'll point you the right way.
How quickly does cover start?
Immediately after payment. Your certificate is emailed within minutes, and the MID database is updated three times a day. We recommend keeping a copy of your certificate with you while driving, in case you're stopped before the database catches up.
Can I use temporary van insurance for work?
Cover is for social, domestic and pleasure use, which includes commuting. Some policies also extend to light commercial use, but not hire and reward, so no paid deliveries. Check your policy terms or call 01323 416706 and we'll confirm what your cover allows.
Cover the van for exactly as long as you need it
From 1 hour to 28 days, fully comprehensive, documents in your inbox within minutes of payment.