One Month Car Insurance
Compare Monthly Car Insurance Quotes
- Complete one short form
- Quickly compare quotes
- Find a great deal today
Compare insurance quotes from the UK’s leading monthly car insurance providers including:
Why Compare One Month Car Insurance Quotes At SimplyQuote?
Comparing one month car insurance at simplyquote.co.uk gives you instant access to flexible, short-term cover from trusted UK insurers — without the need for a long-term commitment.
Through our partnership with GoShorty, you can secure legally-compliant, standalone car insurance in just a few clicks.
This type of cover is ideal if you need to drive a car temporarily — whether you’re borrowing a vehicle, waiting for your main policy to begin, or need to stay road-legal while arranging something more permanent. Unlike annual car insurance, there’s no lengthy paperwork or contract, and no risk to your existing no-claims bonus.
Using SimplyQuote means you won’t have to shop around manually. Our system pulls live quotes from leading providers through GoShorty’s short-term panel, offering real-time pricing and policy terms. You can tailor your policy to include exactly what you need — and nothing more — for the 30-day period.
It’s fast, transparent, and purpose-built for convenience. If you need insurance for just a month, this is how to do it smartly, without compromise.
Why Do I Need To Get A Quote?
To get a one month car insurance quote, you’ll need a few key personal and vehicle details — it takes less than two minutes to complete if you’ve got the basics ready.
The process is designed to be quick, even if you’re insuring a car you don’t own.
Because one month policies are short-term and standalone, you don’t need to contact your main insurer or make changes to an existing policy. Everything is self-contained — but the insurer still needs to understand the risk before offering a quote. The better your preparation, the faster the results.
Here’s what you’ll typically need:
- Personal details – name, address, and date of birth
- Driving licence – full UK licence number and length held
- Vehicle information – registration number, make, and model
- Cover start date and time – when you want your one-month policy to begin
- Intended use – whether it’s for commuting, social use, or something else
- Driving history – recent claims or motoring convictions (if any)
All of this can be entered online without any paperwork. Once submitted, you’ll instantly receive tailored quotes from insurers who offer 30-day policies. No waiting. No calls. Just clear, actionable options.
Why Do I Need One Month Car Insurance Cover?
One month car insurance is ideal when you need flexible, short-term cover without being locked into a full-year policy.
It fills the gap between borrowing, buying, or transitioning between vehicles — and does so legally and affordably.
Unlike annual insurance, which assumes ongoing ownership and regular use, one month cover is built for real-life scenarios where that commitment doesn’t make sense. It’s often used by people who need to drive a car temporarily — without altering someone else’s policy or affecting their own long-term plan.
Here are some common reasons drivers opt for one month cover:
- Borrowing a car for a few weeks — maybe from a friend or family member
- Driving a new purchase home before setting up a longer-term policy
- Covering a gap between cancelling an old policy and starting a new one
- Using a car while your own is in for repairs
- Helping a relative with transport without changing their insurance
- Temporary work placements or relocations where you need legal cover
It’s also a smart way to avoid being an uninsured risk. If you’re tempted to “just nip out quickly” in a car you’re not insured to drive, this is the alternative — legal, safe, and specific to your window of use.
Looking for 1 month car insurance? Get your quote today!
Get QuotesWhat Does One Month Car Insurance Cover Include?
Most one month car insurance policies include comprehensive cover as standard — protecting you against third-party damage, fire, theft, and accidental damage to the vehicle.
In many cases, the level of cover mirrors what you’d get from an annual policy, just condensed into a 30-day term.
This type of insurance isn’t a stripped-down version of full cover. In fact, because it’s often used in unpredictable or one-off scenarios, it’s designed to offer peace of mind for both the driver and the vehicle owner (if you’re borrowing a car). It’s a standalone policy, so it doesn’t affect the no-claims bonus of any existing cover on the car.
Here’s what’s typically included:
- Third-party liability – Covers injury to others or damage to their property
- Fire and theft – Covers loss or damage if the vehicle is stolen or catches fire
- Accidental damage – Protects against damage to the insured vehicle
- Legal expenses cover – Some policies include help with legal costs following a claim
- Windscreen repair – Often included in comprehensive cover
- Optional add-ons – Breakdown assistance, European cover, or excess protection (varies by provider)
Always check the policy wording — some insurers include extras by default, others offer them at a cost. Either way, the core protection is robust enough for everyday use, even in unfamiliar vehicles.
What’s Not Included?
One month car insurance won’t cover commercial driving, vehicles in poor condition, or anyone without a valid full UK licence.
Like any policy, it has clear exclusions — and understanding them upfront avoids unwanted surprises.
The most common misunderstanding is assuming this cover can be stretched beyond its purpose. It’s designed for short-term, personal driving needs — not for delivery work, ride-hailing, or track days. It’s also not a workaround for insuring a car that wouldn’t pass a basic MOT.
Here are common exclusions to look out for:
- Hire and reward use – No cover for delivery, courier, or taxi driving unless explicitly included
- Driving outside the agreed dates – You’re only insured for the exact period stated
- Non-roadworthy vehicles – The car must be taxed, MOT’d, and safe to drive
- Provisional licences – Most policies require a full UK driving licence
- Driving other vehicles – You’re only insured to drive the specific car listed on the policy
- Pre-existing damage – Damage already present won’t be covered
These exclusions are not fine print — they’re central to how temporary cover works. If your use case is even slightly outside the norm, always double-check the wording or ask before buying.
How Much Does One Month Car Insurance Cost?
One month car insurance typically costs between £60 and £150, depending on your age, vehicle, postcode, and driving history.
It’s a convenient alternative to making changes to a long-term policy — but the price reflects the concentrated risk over a short period.
Because you’re asking for flexibility and instant cover, insurers need to price based on a condensed risk window. That means premiums aren’t necessarily one-twelfth of an annual policy — they’re often proportionally higher. But for many, it still works out cheaper than amending an existing plan, especially if you’d otherwise face admin fees or lose your no-claims discount.
Here’s how different factors affect cost:
| Factor | Impact |
|---|---|
| Age of driver | Younger drivers (under 25) usually pay more due to higher risk |
| Car value & type | High-powered or modified vehicles cost more to insure |
| Location (postcode) | Urban areas or theft-prone regions raise premiums |
| Licence history | Recent claims, points, or short licence history increase the cost |
| Level of cover | Comprehensive policies cost more than third-party-only options |
| Optional extras | Add-ons like breakdown or legal cover will increase the final price |
How Can I Save Money On One Month Car Insurance?
You can save money on one month car insurance by choosing a low-risk vehicle, avoiding unnecessary add-ons, and comparing quotes before you buy.
Because short-term cover is priced per day, even small optimisations can lead to noticeable savings.
Start with the car. High-spec, modified, or imported vehicles often sit in higher insurance groups and trigger risk alerts with underwriters. A modest, standard car — ideally with no performance mods — will often fall into a lower premium band. If you’re borrowing a vehicle, this is something to keep in mind.
Next, be selective with extras. Add-ons like breakdown cover, legal expenses, or windscreen protection may offer peace of mind, but they come at a cost. Only choose what you actually need for the 30-day period. If you’re confident the car is reliable, and it’s only for short-term use, consider skipping them.
A few more smart moves:
- Increase your voluntary excess – if you’re comfortable covering more in the event of a claim, your upfront premium can come down
- Avoid insuring during peak times – quotes for weekend or holiday cover can be slightly higher
- Don’t round up the policy duration – if you need 25 days, don’t automatically select 30
- Use a comparison tool like simplyquote.co.uk – real-time quotes from multiple providers help avoid overpaying
Even though you’re only insuring for a month, small tweaks like these can reduce your costs significantly — without compromising on essential protection.
How To Compare On Month Car Insurance At SimplyQuote.co.uk?
To compare one month car insurance quotes at simplyquote.co.uk, enter your details once and view live prices from trusted insurers, all powered by our partnership with GoShorty.
It’s quick, accurate, and designed for short-term drivers who want control without complexity.
Here’s how the process works:
- Enter your personal and driving details
Start with your name, age, postcode, and licence information. This ensures insurers can accurately assess your risk profile. - Add vehicle information
Input the car’s registration number, or manually select the make and model. You’ll also be asked if the vehicle belongs to you or someone else. - Select your cover start date and length
Choose the exact date and time your 30-day policy should begin. You can schedule cover in advance or start it immediately. - Review your quotes
Instantly view a list of quotes from GoShorty’s panel of short-term insurers. You’ll see policy details, price, cover level, and optional add-ons. - Choose and buy
Once you’ve found a suitable policy, click through to complete the purchase securely. Your documents are emailed instantly, and you’re legally covered from the moment your policy begins.
Unlike annual insurance forms, you won’t need to declare mileage limits or answer complex vehicle ownership questions. One submission, multiple results — and the confidence that you’re covered only for the time you need.
Frequently Asked Questions
Yes, but it may take up to 48 hours to appear. Always keep proof of cover with you while waiting for the database to update.
Some providers accept international licences, but options are limited. You’ll need to check eligibility criteria before applying.
No, temporary policies don’t earn or impact your existing no-claims bonus. They operate independently from annual policies.
You can, but refunds are rarely issued. Most short-term insurers don’t offer partial refunds once the policy has started.
Yes, if you have permission to drive it and the vehicle meets eligibility requirements. Always confirm with the provider.
Not always. Adding a named driver can be cheaper for some, but one month insurance avoids affecting another person’s policy.
Yes. You choose the specific start and end dates. Most platforms allow you to tailor the policy down to the hour.
Some providers offer European driving as an optional add-on. Always check the policy terms before driving outside the UK.
Related Insurance
Written by Chris Richards
Page last reviewed on 22nd of May 2025 by Chris Richards