Last Updated: 02/11/2016
The open road gives many young drivers the type of freedom they have never experienced before. Being able to get in a car and drive wherever you want, whenever you want without having to rely on parents or relatives is an important milestone when growing up.
Whatever the adventure, the best way to enjoy yourself is to know you’re fully protected if something goes wrong. For many under 25’s temporary insurance is the ideal way for young drivers to get that protection at an affordable price.
Can under 25’s get temporary car insurance?
Because of the risk factor that’s often associated with young drivers, getting temporary car insurance can be difficult, especially if you’re under 21. Tempcover has carefully chosen its panel of insurers to make sure that we offer cover to as many people as possible.
You must have passed your test and been driving for 6 months or more but we are confident we can cover most drivers aged 18 and above with our temporary car insurance and 17 and above with our learner drivers insurance.
There may be some restrictions based on previous motoring convictions or if you have points on your driving licence but we’re sure a lot of young drivers will be able to get a quick and easy quote with us.
When do I need temporary car insurance?
As a new driver, you will often find you need to be insured to drive someone else’s car. Whether you’re sharing the drive with a friend or need short term cover on a parent’s car, getting temporary car insurance is perfect for many everyday tasks:
Driving a friend’s car
You may be borrowing it for a day or sharing the driving on a road trip. Whatever the circumstances if you’re driving someone else’s car, you need to be insured to drive it.
Temporary car insurance is often the cheapest and easiest way to drive someone else’s car with comprehensive cover. Most drivers under 25 will struggle to find an annual policy that includes a ‘Driving Other Cars’ extension and even if they do, it won’t cover any damage to the car you are driving.
Having a short term policy is perfect for new drivers. You don’t have to worry about being added to your friend’s policy or affecting their no claims discount because it’s a separate policy created only for the specified period.
Driving your parent's car
For many young drivers who don’t need a car all year round or can’t afford one, driving a parent’s car is important keeping their independence. You may be back from university for the holidays and without a car, you could find yourself unable to get around. Getting a short term car insurance policy for up to 28 days can allow you to drive a parent or relative's car without having to fork out for an annual policy. You only need to pay as and when you need it.
Many parents will be experienced drivers with a no claims discount that they’re probably quite protective about. For some, letting a younger driver behind the wheel of their car can be daunting. With a short term policy, they don’t have to worry because their no claims discount is protected as well as their car.
Picking up a new car
No driver wants the experience of picking up a new car to be ruined by being stopped because they’re not fully insured. If you’re buying a new vehicle, you need to make sure that it’s covered and you’re covered if you’re driving someone else’s car to pick it up. If not properly insured in either situation, you could end up with a serious fine.
Temporary car insurance for new drivers is the best way to get complete protection while you purchase an annual policy. 1 or 2 day cover gives you comprehensive cover which means you can pick up your new car and drive it away without having to worry. With less time spent doing admin, you’re free to spend more time driving your new set of wheels.
Learning to drive
A lot of drivers under 21 looking for insurance haven’t even passed their driving test. If you’re a learner and want to practice in someone else’s car, it can often be cheaper and more convenient to get short term cover as and when you need it.
Adding a learner to an annual policy can force premiums up and risk any no claims discounts the driver may have. In a lot of circumstances, it’s far better to get temporary learner drivers insurance. This short-term approach to insurance is often the best option for young drivers, as it’s normally cheaper and more flexible. You can get leaner driver cover for between 1-30 days or even 60 or 90 days at a time, so no matter how many lessons you want everyone can relax as it protects all parties.
Why choose temporary car insurance?
Young drivers often find themselves in ever-changing situations that an annual policy can’t keep up with. For many, whether they need to drive a car occasionally for work or when they come home from university, temporary car insurance is the most affordable option.
From 1 day to 28 days, short term car insurance can be used as and when you need it so you’re not paying for insurance if you don’t need it. As a new driver, knowing your insurance is comprehensive means you can enjoy the open road with complete peace of mind, wherever it may take you!
It’s important to note that because of new Continuous Insurance Enforcement (CIE) rules, any vehicle you own must always be covered by an insurance policy. It is illegal to keep a vehicle that is not either insured or registered with the DVLA as off the road.