evidence: We chose Tempcover car insurance as our top pick because of its very flexible insurance, which offers instant cover for anything from 1 hour to 28 days. Any annual no-claims discount you've built up on an annual policy is protected, so making a claim on a temporary Tempcover policy won't affect it. You can also customise the policy to meet your precise needs by adding features such as temporary breakdown cover, gadget cover and excess reimbursement cover. Tempcover offers temporary car insurance for learner drivers, students and others with a full UK driver's licence (up to age 78) and has a super-quick quotation process, taking just 90 seconds according to Tempcover. Need to know: You have to pay up front for your policy.