Share the driving on a UK staycation or a family visit, with cover in your own name for as long as the trip lasts.
Six hours to Cornwall with one driver is a long day for everyone. Temporary car insurance for holidays lets you get insured on someone else’s car for the length of your trip, so you can take turns at the wheel. It’s for driving in Great Britain and stays separate from the owner’s own policy.
Choose cover from 1 hour to 30 days, so a long weekend and a fortnight away both work.
Each extra driver can take out their own policy on the same car, so nobody drives the whole way.
Claims go on your standalone policy, not the owner’s, so their No Claims Discount isn’t affected.
When we talk about holiday cover, we mean trips within Great Britain: England, Scotland and Wales. Think a week in a cottage in the Peak District, a drive round the Scottish Highlands, a fortnight with the in-laws in Devon or a long weekend in Snowdonia.
This cover does not extend to driving abroad. If you’re taking a car to Europe or hiring one overseas, you’ll need different arrangements. Your policy wording sets out the exact territorial limits.
Within those limits, UK holidays are a natural fit for temporary insurance. There’s a clear start date, a clear end date, and very often a car that belongs to someone else.
Long drives are tiring, and tiredness behind the wheel is a real risk. Swapping drivers every couple of hours is one of the simplest ways to arrive safely, but every person who takes the wheel must be insured on that car.
If the owner is coming with you, they’ll normally be covered by their own annual policy. You, as the extra driver, can take out a Covrly policy for the length of the trip. If two or three of you want to share, each person buys their own policy.
A few ideas for planning the split:
Not every trip involves driving there. Lots of people travel by train or coach to see family and then borrow a car once they arrive, to get to the beach, do a supermarket run or take an older relative out for the day.
Temporary cover works well here. You insure yourself on their car for the days you’re visiting, and their annual policy doesn’t change. If something happens, the claim goes on your policy rather than theirs, which keeps their No Claims Discount safe.
It also saves the classic conversation about whether you’re ‘probably fine’ on their insurance. Unless you’re named on their policy or have confirmed cover elsewhere, you aren’t.
Covrly policies run from 1 hour to 30 days, so you can match cover to almost any UK break. A long weekend might be three or four days; a summer holiday might be one or two weeks.
If you’ll only drive on certain days, you could buy shorter policies just for those days. But if you might need the car unexpectedly, for a last-minute pharmacy run or a rainy-day change of plan, covering the whole stay avoids awkward gaps.
If your trip lasts longer than 30 days, you’ll need to arrange new cover before the first policy ends, subject to eligibility.
A bit of preparation goes a long way when you’re driving an unfamiliar car on unfamiliar roads:
If you’re heading somewhere remote, download offline maps and note where the fuel stations are. Insurance is there for the unexpected; the rest is good planning.
Yes. You can insure yourself on a car for the length of your trip, from 1 hour to 30 days, for driving in Great Britain. Eligibility criteria apply to you and the car.
No. Covrly cover is for driving in Great Britain and doesn’t include trips abroad or to Europe. Check your policy wording for the exact territorial limits.
Yes, as long as everyone who drives is insured on the car. With temporary cover, each extra driver takes out their own policy.
A single Covrly policy can last up to 30 days. For longer stays, you’ll need to arrange new cover before the first policy ends, subject to eligibility.
Yes, unless you’re already insured to drive it, for example as a named driver on their policy. A temporary policy covers you without changing their insurance.
No. Breakdown cover is separate from car insurance. Check whether the car already has it before a long trip, or arrange it separately.