Vehicles – Frequently Asked Questions

What vehicles do you cover?

We currently offer temporary insurance for the following:

  • Private cars
  • Commercial vehicles/vans
  • Motorbikes

Restrictions apply:

  • Private cars must be valued under £65,000
  • Commercial vehicles/vans must be valued under £65,000 and weigh ≤ 7.5 tonnes
  • Motorbikes must be valued under £10,000
  • No hire or rental vehicles

What vehicles can't you cover?

We cannot insure vehicles in the following cases:

  • Modified vehicles (except adaptations for disabled drivers)
  • Left-hand drive vehicles (unless motorhomes or caravanettes)
  • Impounded vehicles without impound-specific insurance
  • Vehicles with more than 8 seats
  • Hire, rental, taxi, or delivery vehicles
  • Courier use without courier-specific insurance
  • Vehicles not registered in Great Britain, NI, or Isle of Man

Can I get a quote for my motorhome / horsebox?

Yes, we can provide cover for motorhomes weighing up to 7.5 tonnes, but:

  • It must not be a hire or rental vehicle
  • No modifications allowed
  • Maximum 5 seats
  • Must be right-hand drive only

Can I use a Tempcover policy to insure my leased vehicle?

We can insure leased vehicles if the lease term is 90 days or more, provided you meet the insurers’ criteria.

What can I use my van for with a Tempcover policy?

Standard cover includes:

  • Social, domestic, and pleasure use
  • Commuting to and from work
  • Carriage of your own goods in connection with business

Permitted work:

  • Tradesman/Tradeswoman
  • Office Worker
  • Courier
  • Dog Walker

Not permitted:

  • Taxi use or commercial travelling
  • Hire & Reward
  • Motor trade use
  • Transporting hazardous goods

Can I carry a pillion passenger?

No, our motorbike policies do not allow carrying passengers.

Can I take my bike outside of the UK on holiday?

Yes, our motorbike policies include the minimum cover required in EU countries you visit, as long as the bike is UK-registered and returns before your policy expires.

If unsure of the minimum cover abroad, check online or contact us for guidance.

Can I use my bike for making deliveries?

No, our motorbike policies do not allow carrying goods for payment (e.g., deliveries).

Why can't I get a quote?

Quotes may be declined based on factors such as age, licence duration, or vehicle eligibility. We frequently review our criteria, so try again in the future.

Can I have more than one driver?

Currently, each policy covers only 1 driver. If two drivers are required, each must purchase a separate policy for the same vehicle.

Can I use Tempcover for work?

Policies cover social, domestic, and commuting to one place of work. Some insurers may offer limited business use (Class 1). Always check the Insurers Declaration before purchase.

Can I take out multiple policies?

Tempcover is for short-term use only. You can insure for up to 7 days at a time, purchased up to 28 days in advance, and repeat if necessary.

Can I tax my vehicle with a Tempcover policy?

Vehicle details are uploaded to the MID within 7 days. You may not be able to tax online immediately, but Post Offices accept our insurance certificate for taxing.

Check with your local Post Office before visiting.

Do I need to be the vehicle owner?

No, you just need permission from the owner. We cannot insure hire, rental, or short-term lease vehicles.

Can I insure my SORN vehicle?

Yes, if it’s roadworthy and either taxed or will be taxed with our certificate. It must have a valid MOT or a pre-booked MOT appointment for cover to be valid.

Read more about insuring a SORN car