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Temporary car insurance for high-risk drivers, supercars and performance cars

Not every driver or vehicle fits a basic insurance box. GetTempCover is built to help UK drivers look for flexible temporary cover, including drivers with points, previous disqualifications, convictions, high-performance cars, prestige vehicles and supercars, subject to eligibility and underwriting.

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GuideTemporary car insurance
Updated5 July 2026
FocusHigh-risk and performance vehicles
Overview

Why some drivers and vehicles are harder to insure

Temporary car insurance is useful when you need cover for a short period, but some drivers and vehicles need a more careful quote journey. A driver with points, a previous ban or a serious conviction may be considered higher risk. A supercar, prestige vehicle or high-performance car may also be considered higher risk because of power, value, theft appeal and repair costs.

That does not always mean cover is impossible. It means the quote needs to be accurate, honest and checked against eligibility rules. GetTempCover is designed to help UK drivers search for temporary cover in more complex situations, with a clear online process and digital documents after acceptance and payment.

Important: Cover is always subject to eligibility, accurate disclosure, underwriting acceptance, payment and policy terms. Never hide points, convictions, bans, modifications or vehicle details.
High-risk drivers

Temporary insurance for drivers with points

Penalty points can affect insurance because they tell insurers something about driving history. The type of offence, number of points, how recent they are and whether there are multiple offences can all influence eligibility and price.

Declare points clearly

Enter correct conviction codes, dates and point totals where requested.

Recency matters

Recent offences can be treated differently from older history.

Price may vary

Drivers with points may see different prices because of added risk.

Cover may still be possible

Eligibility depends on the driver, vehicle, use and underwriting rules.

Previous bans

Temporary insurance after a disqualification

A previous driving disqualification can make insurance more complicated, but it does not always mean a driver should stop looking. Some drivers need cover after getting their licence back, collecting a vehicle, using a family car or arranging short-term cover while longer-term insurance is being reviewed.

If you have had a disqualification, the reason for the ban, how long ago it ended, whether your licence has been returned, remaining points and the type of vehicle can all affect the outcome.

Never drive unless your licence and insurance are valid

A temporary policy does not fix licence problems. You must have the correct licence, permission and active insurance before driving.

Performance cars

Temporary insurance for high-performance cars

Performance vehicles can be more expensive to insure because they may have higher power, faster acceleration, specialist parts, higher repair costs and greater theft risk. Even a short-term policy needs to account for the vehicle properly.

Sports carsShort-term cover for eligible sports vehicles where accepted.
Performance saloonsCover for powerful daily drivers and premium performance models.
Prestige carsFlexible cover for high-value or luxury vehicles, subject to checks.
Modified carsModifications must be declared and may affect availability.
Supercars

Temporary insurance for supercars and prestige vehicles

Supercars and prestige vehicles can need specialist handling because the value, performance, repair process, parts availability and theft risk are different from a standard vehicle. Temporary supercar insurance may be useful for collection, delivery, short-term use, test drives, events or a short gap between policies.

Cover is not guaranteed and may depend on the driver’s age, licence, experience, claims history, address, vehicle value and use.

How GetTempCover helps

How our quote journey supports complex risks

  1. Vehicle lookup: start with the registration so the vehicle can be identified.
  2. Driver details: enter licence, age, address, claims and conviction information.
  3. Cover period: choose the temporary start and end time carefully.
  4. Eligibility check: the quote journey checks whether cover can be offered.
  5. Secure checkout: payment is completed online where a quote is accepted.
  6. Digital documents: policy documents are generated after acceptance and payment.
FAQs

High-risk temporary insurance FAQs

Can I get temporary insurance if I have points?

It may be possible, depending on the number of points, offence type, driver details, vehicle and underwriting rules. The points must be declared accurately.

Can I get temporary insurance after a driving ban?

Some drivers with previous disqualifications may still be able to search for cover, but eligibility depends on the details. You must have your valid licence back before driving.

Can GetTempCover insure supercars?

GetTempCover can help drivers look for temporary cover for eligible high-performance, prestige and supercar vehicles, subject to underwriting, driver details and vehicle checks.

Do I need to declare modifications?

Yes. Modifications can affect insurance availability, price and claims, so they should be declared where requested.

Need temporary cover for a complex situation?

Start a quote and enter your details accurately so the system can check availability.

Start your quote