Six Month Temporary Car Insurance
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Why Compare 6 Month Car Insurance Quotes At SimplyQuote?
Comparing 6 month car insurance at SimplyQuote gives you fast access to flexible, standalone cover — ideal when you don’t need a full-year policy.
Through our partnership with GoShorty, you’ll see quotes from trusted UK insurers in just a few clicks.
A six-month policy sits in that sweet spot between short-term convenience and longer-term value. It’s perfect if you’re borrowing a car for an extended period, driving while waiting to renew or replace an annual policy, or working a temporary job that requires private transport. Unlike 12-month contracts, you’re not locked in — and unlike one-month cover, you won’t need to keep renewing every few weeks.
At SimplyQuote, you won’t need to fill in multiple forms or bounce between providers. Just enter your details once and you’ll get real-time quotes directly from GoShorty’s panel of specialist insurers. You can filter by cover level, excess amount, or extras — giving you full control over what you’re buying and how much you spend.
If you’re looking for a smart, efficient way to stay insured for the medium term, this is the simplest route to legal, reliable cover — with none of the long-term baggage.
Why Do I Need To Get A Quote?
To get a 6 month car insurance quote, you’ll need to provide your personal details, vehicle information, and the date you want the policy to start.
The process is designed to be quick and user-friendly — usually taking less than five minutes from start to quote.
Because this is a standalone mid-term policy, you won’t need to alter any existing cover or contact your main insurer. Everything is handled separately, and the required information is fairly standard — but accuracy matters, especially for a six-month duration where cost and risk are calculated more closely.
You’ll typically need:
- Full name, date of birth, and UK address
- Driving licence details – including how long you’ve held your licence
- Vehicle registration number – or the make and model if the reg isn’t available
- Start date and time for the cover – most quotes can start instantly or be scheduled ahead
- Intended use of the vehicle – e.g. social, commuting, or business (where eligible)
- Any recent claims or motoring convictions – if applicable
Once submitted, SimplyQuote pulls live offers from GoShorty’s panel of providers — showing you multiple quotes at once, without needing to repeat the process across different sites.
Why Do I Need 6 Month Car Insurance Cover?
Six month car insurance is perfect for situations where annual cover is excessive and short-term policies are too limited.
It offers legal, flexible protection when your driving needs fall into that middle ground — temporary, but not brief.
People use six-month cover for all sorts of reasons. You might be borrowing a family car while you save for your own. Maybe you’ve just sold your vehicle and need to stay insured while using another. Perhaps you’re working a short-term contract that requires you to drive, or your annual renewal is delayed and you don’t want to lapse your cover.
Some common scenarios where 6 month insurance makes sense:
- Students returning home for a term break and needing temporary access to a car
- Long-term vehicle borrowing — where you don’t want to alter the owner’s main policy
- Drivers with pending changes — such as waiting for a car upgrade, finance agreement, or relocation
- Temporary workers or contract staff with transport needs over several months
- Expat or international drivers staying in the UK for a fixed period
It keeps you road-legal, covered, and in control — without the commitment or cost of a full annual policy, and without the disruption of renewing month-to-month.
Looking for 6 month car insurance? Get your quote today!
Get QuotesWhat Does 6 Month Car Insurance Cover Include?
Most six month car insurance policies offer comprehensive cover — including third-party liability, fire, theft, and accidental damage.
It’s built to mirror the protection of an annual policy, just over a shorter term.
For drivers using a vehicle consistently but not permanently, it’s important the policy feels complete. That’s why these policies often come with core protections you’d expect from long-term insurance, plus optional extras depending on your needs.
Here’s what’s typically included:
- Third-party liability – Covers injury or damage caused to other people or their property
- Fire and theft – Protects you if the vehicle is stolen or damaged by fire
- Accidental damage – Covers repairs to your car after a collision, even if you’re at fault
- Windscreen and glass repair – Included with many comprehensive policies
- Legal cover – May include legal expenses for uninsured loss recovery
- Optional extras – Add-ons like breakdown cover, courtesy car, excess protection, or European driving are often available at checkout
Unlike one-day or weekly cover, six-month policies are often used more like a traditional plan — for commuting, family use, or extended travel. That’s why the level of cover is more robust, and why you’ll often have access to extras that short-term plans skip.
Still, always check the policy wording — not all providers include the same features by default.
What’s Not Included?
Six month car insurance policies typically exclude commercial driving, use of unroadworthy vehicles, and drivers without a valid full UK licence.
While the cover is comprehensive, it’s not limitless — and understanding the restrictions can help you avoid accidental non-compliance.
Many of the exclusions mirror those found in annual policies, but with a few more tightly enforced rules due to the flexible nature of mid-term cover. It’s designed for personal use, not loopholes — so using the policy outside its intended purpose could void the insurance.
Here are common exclusions to be aware of:
- Hire and reward use – No cover for delivering goods or carrying passengers for payment (e.g. Uber, courier work)
- Driving outside the cover period – You’re only insured between the start and end dates selected
- Unroadworthy or untaxed vehicles – The car must be legally fit for the road with valid MOT and tax
- Provisional licences – Most policies require a full UK driving licence unless explicitly stated otherwise
- Driving other vehicles – You’re covered only for the vehicle named on the policy
- Deliberate or pre-existing damage – Any damage before the policy start date or caused intentionally won’t be covered
If your situation is at all unusual — like borrowing a company car, travelling abroad, or needing business use — always check the insurer’s eligibility criteria or add-ons. That five-minute check could prevent a rejected claim later.
How Much Does 6 Month Car Insurance Cost?
Six month car insurance typically costs between £200 and £1,000, depending on your age, driving history, vehicle type, and postcode.
It’s usually more expensive per month than an annual policy, but far more convenient than short-term alternatives if you need consistent cover.
Because this type of policy sits in a grey area between temporary and full-term insurance, pricing reflects that. You’re asking for full protection — but without the insurer locking you into a 12-month commitment. That flexibility comes with a slightly higher day-rate cost, but often saves money over time if you’re bridging a gap or avoiding cancellation fees on an annual plan.
Here’s a breakdown of the key factors that influence price:
| Factor | How It Affect Price |
|---|---|
| Driver’s age | Younger drivers (<25) generally face higher premiums due to perceived risk |
| Vehicle group | Sporty, modified, or high-insurance-group cars cost significantly more |
| Location | Urban areas, especially with higher theft or accident rates, tend to push premiums up |
| Licence history | New drivers or those with recent convictions or claims will pay more |
| Cover level | Comprehensive cover is costlier than third-party-only policies |
| Add-ons | Optional extras like breakdown or European cover can increase the total cost |
How Can I Save Money On 6 Month Car Insurance?
To save money on six month car insurance, choose a lower-risk car, increase your voluntary excess, and avoid adding extras you don’t need.
Comparing quotes side by side is essential — prices can vary significantly across providers for mid-term policies.
Start with the car. Insuring a standard, unmodified vehicle in a low insurance group will always be cheaper than covering a high-performance model. Even if you’re borrowing the car, it’s worth knowing how the vehicle’s profile affects the quote.
Next, look at the extras. Many six-month policies give you the option to add things like legal expenses, courtesy car cover, or roadside assistance. Only include these if they’re genuinely useful to your situation — otherwise, they can add unnecessary cost.
A few more tried-and-tested tips:
- Raise your voluntary excess – If you’re willing to pay more in the event of a claim, the premium can drop noticeably
- Avoid high-demand start dates – Peak weekends, holidays, or high-traffic periods may trigger price surges
- Stick to the time you need – Don’t round up to 6 months if you only need 4½ — check if pro-rata cover is available
- Use a multi-quote comparison tool – SimplyQuote pulls offers from GoShorty’s panel instantly, exposing better deals than going direct
This isn’t just about trimming pennies — it’s about tailoring the policy to match your exact needs, no more and no less.
How To Compare 6 Month Car Insurance At SimplyQuote.co.uk?
Comparing 6 month car insurance at SimplyQuote takes just a few minutes — enter your details once, and view tailored quotes from trusted UK insurers via our partnership with GoShorty.
The process is built for speed, clarity, and control.
Here’s how it works:
- Provide your personal and driving details
Input your name, age, address, and driving licence information. This ensures insurers can assess your risk accurately. - Enter your vehicle details
Add the registration number or select the make and model manually. You’ll also specify whether it’s your car or someone else’s. - Choose your start date and policy length
Set the exact date and time you want the policy to begin — and confirm you’re selecting a 6-month term. - Review your quotes
Instantly compare multiple offers from GoShorty’s panel. Filter by cover type, price, excess, and add-ons if needed. - Select and purchase your policy
Once you find the right fit, proceed to checkout. Your documents will be sent by email, and cover can begin immediately.
You won’t need to contact your current insurer, and this policy operates independently — protecting your no-claims bonus and keeping everything cleanly separated.
Frequently Asked Questions
Yes, but it may take 24–48 hours to show. Always carry proof of cover in case you’re stopped before the database updates.
Yes, though it will likely cost more. Some insurers set minimum age limits, so eligibility may vary.
You can, but many short-term policies are non-refundable once they begin. Always check cancellation terms before purchasing.
No. Temporary policies are typically standalone and don’t earn or affect your no-claims discount.
Some insurers allow extensions, but it’s not guaranteed. You may need to take out a new policy after expiry.
Only if the policy specifically includes business cover. Most are limited to social and commuting use by default.
Usually, yes. It’s more stable and often better value than renewing one-month policies six times.
Some policies offer European driving as an optional add-on. Always confirm the territory limits before travel.
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Written by Chris Richards
Page last reviewed on 23rd of May 2025 by Chris Richards