Best Non Owner Car Insurance Quotes 2026
- ✓ Quotes in under 2 minutes
- ✓ Short term cover for new and young drivers
- ✓ Instant cover from 1 hour to 28 days
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Compare temporary Non Owner Car Insurance from leading insurers including:
Why Compare the Non-Owner Car Insurance at MultiQuoteTime?
At MultiQuoteTime, we have partnered exclusively with GoShorty to provide a fast and flexible solution for drivers who need insurance for a car they don’t own. We understand that traditional insurers often make it difficult to get standalone cover for borrowed vehicles. Through our partnership with GoShorty, you can secure fully comprehensive temporary cover in minutes, ensuring you are legal on the road with sero risk to the vehicle owner’s No Claims Discount(NCD).
Through our partnership with GoShorty, you gain access to their market-leading panel of trusted UK insurers. This ensures that whether you are a young driver or borrowing a high-value car, GoShorty’s technology scans their panel to find the most competitive rate for your specific needs
Why you may need non owner insurance
| Insurance Option | Best For… | Duration or Usage |
|---|---|---|
| Temporary Insurance | Short-term tasks or test drives | 1 hour to 28 days |
| Named Driver | Regular, long-term use | Partners or housemates |
| Driving Other Cars (DOC) | Emergency use only | Requires existing annual policy |
| Standalone Annual Policy | Long-term use | When Named Driver isn’t an option |
Am I Eligible for Cover?
Quickly check if you meet the criteria for a policy through our partner, GoShorty.
Driver Age & Licence
Temporary car insurance is typically available for drivers aged 18 to 75. You must hold a valid UK or EU/EEA driving licence. We also offer temp car insurance NI for Northern Ireland residents
Driving Experience
Applicants generally need to have held their full licence for at least 6 months if under 25, or 3 months if over 25.
Vehicle Value & Type
We provide access to cover for vehicles with a market value between £500 and £65,000. Commercial vans up to 3.5 tonnes are also eligible.
Residency & History
You must have been a permanent UK resident for at least 12 months. Acceptance is subject to having no major driving convictions in the last 60 months.
Discover other temporary insurance products
Common Scenarios for Non-Owner Insurance
Tailored solutions for when you need to drive a vehicle that isn’t yours.
Borrowing a Friend’s Car
Ideal for one-off trips, moving house, or sharing the driving on a long journey without affecting the owner’s insurance policy.
Test Driving a Private Sale
If you are buying a car from a private individual, a temporary policy through GoShorty ensures you are fully covered for the test drive.
New & Young Drivers
Finding cover as a younger driver can be difficult. We provide access to specialized temporary options for those aged 18-21.
Driving a Shared Vehicle
Perfect for housemates or partners who occasionally need to use a car but don’t want the cost of being a permanent named driver.
Emergency Use
Get instant comprehensive cover if you suddenly need to use someone else’s car, avoiding the limitations of ‘Driving Other Cars’ extensions.
Why Use Non-Owner Insurance?
Discover the key advantages of taking out flexible cover through our partner, GoShorty.
Protect Your NCD
Because these are standalone policies, any claims made won’t affect the vehicle owner’s hard-earned No Claims Discount.
Fully Comprehensive
Through our partnership with GoShorty, we provide access to a panel of insurers offering fully comprehensive cover as standard.
Flexible Duration
Only pay for what you need. Get covered for as little as 1 hour up to 28 days with documents delivered instantly to your inbox.
Total Transparency
Specify the legal owner and registered keeper clearly, ensuring your cover is valid and compliant with standard terms.
Quick Quote Checklist
Have these 4 items ready to get your GoShorty quote in under 2 minutes.
✓ Vehicle Registration
The number plate of the car or van. GoShorty covers vehicle values from £500 up to £65,000.
✓ Owner’s Details
The name of the legal owner and the registered keeper. You must be honest to ensure your cover is valid.
✓ Driving Licence
Your full UK or EU/EEA licence number. You must have held it for at least 3-6 months depending on your age.
✓ Personal Info
Your address and occupation. You must have been a permanent UK resident for at least 12 months.
Non-Owner Car Insurance FAQs
Discover other temporary car insurance providers on GoShorty’s panel
Granite
Haven Short Term Cover
Temporary Car Insurance Providers
MultiQuoteTime have partnered with GoShorty to help you obtain Temporary Car Insurance. GoShorty is a trading style of Complex to Clear Group Limited registered in England and Wales and authorised and regulated by the Financial Conduct Authority (FRN.751221). Company Registration Number 05044963. Data Protection Registration ZA456686.
- Release Date: 09 Jan 2026
- Reviewed by Eamonn Turley Insurance Expert