Insured & On the Road
In 60 Seconds
Temporary insurance for cars, vans and mopeds — from 1 hour to 28 days. Cover in minutes, no annual policy needed. Perfect for young drivers, test drives, and borrowing a vehicle.
Start your quote now
No credit check. No commitment. Instant quote.
FCA Regulated
Fully authorised and regulated by the Financial Conduct Authority (FRN 676594). Protected by the FSCS and eligible for the Financial Ombudsman Service.
Secure Payments
All transactions are processed through SumUp with end-to-end encryption. We never store your card details and are fully PCI DSS compliant.
Instant Cover
Your Certificate of Motor Insurance and Policy Schedule are emailed the second your payment is confirmed. No waiting, no delays — cover starts exactly when you need it.
25,000+ Monthly
Over 25,000 drivers trust CoverME every month for temporary cover across the UK. From borrowing a family car to covering a test drive, we have it handled.
Cover in 4 Easy Steps
From quote to policy in under 5 minutes. No paperwork, no phone calls, no waiting — just instant cover exactly when you need it.
Check Eligibility
Enter your date of birth into our instant eligibility checker. Within seconds you'll know whether you qualify for cover and exactly what your daily rate will be — no forms, no waiting, no obligation.
Get Your Quote
Tell us your vehicle registration, the dates and times you need cover, and we'll generate a fully itemised quote. You can see a complete price breakdown including the arrangement fee before you commit to anything.
Pay Securely
Complete payment through SumUp — one of Europe's most trusted payment processors. All major debit and credit cards are accepted, plus Apple Pay and Google Pay. Your payment is encrypted end-to-end and your details are never stored.
Drive with Confidence
The moment payment is confirmed, your Certificate of Motor Insurance and Policy Schedule are emailed to you instantly. Your cover is active from the start time you chose. Present your certificate if asked by police or a third party.
Your Price, Calculated Instantly
No price lists. No hidden tiers. Your exact daily rate is generated the moment you enter your details.
What's Always Included
Every CoverMe policy includes full cover with no add-ons needed.
- Comprehensive third-party cover
- Instant policy documents by email
- FCA regulated and FICA compliant
- All UK registered vehicles
- Cover from just 1 minute up to 28 days
- No annual policy required
- Full UK licence holders aged 17+
- No upper age limit
We don't publish a rate table because your exact price depends on you. Enter your date of birth in the quote form and your personal daily rate is calculated and shown immediately — no commitment required.
Your Age
Your daily rate is calculated automatically based on your age when you get a quote. Younger drivers pay a higher daily rate reflecting increased risk.
Duration
Choose cover from as little as 1 minute up to 28 days. Your price is calculated by the minute — you only pay for exactly what you need.
Licence Type
This product is for full UK licence holders only. Provisional and international licences are not accepted.
Instant Calculation
There are no hidden fees or add-ons. Enter your date of birth on the quote form and your exact price is shown immediately before you commit.
All policies are subject to eligibility criteria. Prices shown at quote stage are final — no surprises at checkout.
Am I Eligible?
CoverME provides temporary cover for drivers aged 17 and above. Use our instant checker to see your eligibility and exact daily rate.
Instant Eligibility Finder
Enter your date of birth to check eligibility and see your rate.
Trusted by Thousands of UK Drivers
Don't take our word for it. Here's what real customers say about CoverME.
4.9 / 5
Based on 1,847 reviews
Excellent
Rated #3 Temporary Insurer
Genuinely the best insurance experience I've ever had
I needed to borrow my dad's car for a weekend trip and was dreading the whole insurance process. Found CoverME and honestly couldn't believe how quick it was. I had my certificate in my inbox before I'd even put my phone down. The price was completely fair, the checkout was smooth, and the policy document looked incredibly professional. Will never go back to those dodgy one-day insurance sites I used to use.
James Whitfield
Manchester · April 2026
Fast, professional and genuinely stress-free
Needed cover for exactly 3 hours to move some furniture in a friend's van. I was expecting to pay for a whole day minimum like every other provider. CoverME let me pick an exact start and end time and I only paid for what I needed. The documents arrived instantly, looked completely official, and the whole thing cost me less than a coffee. Truly outstanding service.
Priya Sharma
Birmingham · March 2026
Used it twice now and it's been perfect both times
First used CoverME for a test drive at a private seller, second time to cover myself on a hire car for a weekend. Both times the process was identical — quick, clean, and completely painless. The certificate looks and feels legitimate because it is legitimate — FCA regulated and everything. I've already recommended it to three people at work. Genuinely a company doing things right.
Thomas O'Brien
London · April 2026
Sorted in under 3 minutes flat
I left organising insurance to the last minute (as always) and was panicking about covering myself on my mum's car for a single day. CoverME had me sorted in literally under 3 minutes from landing on the site. The quote was transparent, the payment was instant, and the email with my documents arrived before I'd even closed the tab. This is what insurance should feel like in 2026.
Sophie Adeyemi
Leeds · February 2026
Unbelievably easy to use
I was really nervous about using a site I hadn't heard of before for something as important as car insurance. But the FCA badge, the professional layout, and the detailed policy documents immediately put me at ease. The team responded to my email within an hour when I had a question about penalty points on my licence. First class support and a first class product. 10 out of 10.
Ryan Fletcher
Glasgow · March 2026
Saved my life — literally needed cover the same day
My annual policy was cancelled unexpectedly and I desperately needed to drive my own car to get to a job interview the next morning. CoverME had me fully insured and documents in hand within minutes of finding them at 11pm. The process was completely calm and straightforward. I got the job, and I owe CoverME a lot for making it possible. Cannot recommend highly enough.
Charlotte Davies
Bristol · January 2026
The most legitimate and professional temp insurer out there
I've tried four different temporary insurance providers over the years. CoverME is in a completely different league. The certificate of insurance looks impeccable, the policy schedule is detailed and clear, and the pricing is the most honest I've seen. No hidden fees, no last-minute additions at checkout. Just a proper company doing proper insurance. Absolute legends.
Daniel Park
Newcastle · April 2026
Did everything it said it would — instantly
The claim on the website is that you can be insured in 60 seconds. I timed it. It was 47 seconds from clicking Get My Quote to having a policy number. The certificate of insurance and full policy schedule were in my email 10 seconds after that. Every single thing on this site does exactly what it says. Rare thing in this industry.
Amelia Hunt
Edinburgh · March 2026
Outstanding — professional documents and brilliant value
Needed a week of cover on my uncle's car while my own was in the garage. CoverME was half the price of every competitor I checked and the documents I received were more professional looking than the ones my annual insurer sends. The Policy Schedule was thorough, the Certificate of Motor Insurance was clear and properly formatted. Genuinely impressed. A company built for the modern age.
Marcus Thompson
Nottingham · February 2026
Reviews collected via Trustpilot and Google Reviews. View all on Trustpilot →
Frequently Asked
Everything you need to know about CoverME temporary insurance. Can't find what you're looking for? Email us at support@coverme.co.uk.
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policy with us?
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Instant Lookup
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Download Certificate
Get your certificate of motor insurance to print or save digitally.
Resend Documents
Receive your policy documents again to any email address on record.
Policy Number
CME-2026-X7K2P9