What’s Weekly Car Insurance?
Okay, so you know how daily insurance covers you for just a day or two? Weekly car insurance is basically the next step up. It covers you for anywhere between 7 and 28 days.
It gives you the same protection as normal annual insurance, but you’re not stuck in a year-long contract or paying a massive upfront cost.
People usually go for weekly cover when they need a car for more than just a couple of days, but don’t need it long enough to justify monthly insurance. Companies like Tempinsurecover.co.uk make it really easy to sort this out online.
How Does This Work?
It’s pretty much the same deal as daily insurance, just for longer. Here’s what happens:
You pick how long you need it – could be 7 days, 14 days, 21 days, or the full 28 days.
You enter the car’s registration and your driving details (licence, address, driving history – the usual stuff).
The system does some instant checks to make sure you’re eligible.
You pay online and get your insurance certificate straight away.
That’s it! You’re covered to drive for whatever period you chose.
The great thing is that this insurance is completely separate from the car owner’s policy. So their No Claims Bonus stays safe no matter what happens.
Why Would You Choose Weekly Insurance?
It’s better value for a week or more – If you need cover for more than a few days, weekly insurance works out much cheaper per day than daily cover.
Perfect for certain situations – Things like:
- Borrowing your parents’ car during the holidays
- Students home from uni for a few weeks
- Taking your time with a test drive
- Short work trips
- Filling the gap between selling one car and buying another
The owner’s protected – Your insurance doesn’t touch theirs at all. If you make a claim, their No Claims Bonus won’t be affected.
Quick and easy – Everything’s done online. You can be insured in minutes without any phone calls or waiting around for paperwork.
You can extend it – Need the car a bit longer? Just add another week. Simple as that.
How to Get It
Here’s the actual process:
- Head over to Tempinsurecover.co.uk
- Pop in the car’s registration number
- Fill in your details – licence, address, driving history
- Choose how many weeks you need (between 1 and 4 weeks)
- Have a quick look at what’s covered and what the excess is
- Pay securely with your card
- Check your email – your documents should arrive instantly
- Start driving from whatever time you set
What’s It Going to Cost?
Here’s a rough idea of the prices:
7 Days: Around £80-£140 (works out to about £11-£20 per day)
Best for holidays or borrowing a car temporarily
14 Days: Around £140-£240 (about £10-£17 per day)
Good for work trips or visiting family
21 Days: Around £190-£310 (about £9-£15 per day)
Great for students or seasonal situations
28 Days: Around £230-£380 (about £8-£14 per day)
Perfect for filling gaps between policies
The longer you need it, the cheaper it gets per day.
Who Can Get Weekly Insurance?
Most providers want:
- Age: Usually 18-75 (younger drivers might pay a bit more)
- Licence: You need a valid UK, EU, or international licence
- Car type: Normal cars and small vans are fine – high-performance cars might not be covered
- Driving record: A few points won’t necessarily stop you, but serious stuff on your record might
Real Life Example
Daniel’s at university and coming home for two weeks. His parents’ insurance doesn’t cover him, and adding him for just two weeks would cost over £120.
So instead, he gets 14 days of weekly insurance for £160. He can drive the whole time he’s home, his parents’ No Claims stays perfect, and there’s no long-term commitment.
When the two weeks are up, the policy just expires automatically. Job done.
Don’t Do These Things
Here are the mistakes people make:
- Not checking if the car’s eligible – modified cars, imports, or really expensive cars might not be covered
- Thinking you can use it for work – most policies only cover personal driving and commuting
- Getting the start date wrong – you could end up with a gap in your cover
- Buying daily insurance for a whole week – it’ll cost you way more
Handy Tips from People Who Know
- Even if you only need 5 or 6 days, book the full week – it usually works out cheaper per day
- Check what the excess is – temporary insurance can sometimes have higher excesses than normal policies
- It’s brilliant for longer test drives – gives you proper time to really get to know a car before buying
- If your annual insurance has run out, weekly cover is a perfect legal stopgap while you sort things out
Questions Everyone Asks
Can I get it for exactly one week?
Yep! It starts at 7 days and you can add more weeks if you need them.
Will it show on the Motor Insurance Database?
Yes, usually within minutes. So you’re fully legal to drive.
Can younger drivers get this?
Some companies cover 18-21 year olds, but it’ll probably cost more.
Will making a claim affect the owner’s insurance?
Nope! Your policy is completely separate from theirs.
Does it include breakdown cover?
Not always – it might be extra or not included at all, depending on who you go with.
Can I drive to work with this?
Only if your policy specifically says business use is covered.
Can I extend it if I need longer?
Absolutely. You can just buy more days or another week.
Is weekly insurance cheaper than daily?
Yeah, definitely. The daily rate is much lower when you buy it weekly.
