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- Cheap Temporary Car Insurance For New Drivers
Cheap Temporary Car Insurance For New Drivers
Fast and flexible cover for new drivers
- From 1-28 days. Only pay for the cover you need.
- Drive away cover while waiting for your annual policy.
- Comprehensive with no impact on no claims discount
What is temporary insurance for new drivers?
New driver? Get cover.
Annual insurance can be expensive for new drivers but with Tempcover, you only pay for the time you need - from 1 hour to 28 days.
Whether driving to university, heading home for summer or only an occasional driver, temporary car insurance keeps you moving.
Can a new driver get temporary car insurance?
Yes, new drivers can get short-term cover quickly and easily. It’s designed to help new drivers make memorable moments.
You just need to be at least 17 years old, hold a full licence and meet our basic acceptance criteria.
Is temporary insurance for new drivers expensive?
It can be. This is because driving experience is an important factor when insurers calculate premiums.
New and inexperienced drivers are more likely to be involved in an accident and make a claim, meaning they will be charged more.
Temporary car insurance can cut costs and help new drivers get value for money as you only pay for the time you need. It also gives you time to find the right annual policy.
How can I get cheaper car insurance as a new driver?
Driving experience is one of many factors that affect the price of car insurance. This is because new, young and inexperienced drivers are considered to be more of a risk.
If you’ve just passed your test, don’t fret. There are ways of lowering the price of your policy:
- Get a smaller and less powerful car
- Add another driver to the policy (but avoid fronting!)
- Increase your excess to reduce the overall cost
- Drive fewer miles so you’re less likely to be involved in an accident
- Pick the right insurance. Consider temporary, telematics or pay as you go cover.
Temporary car insurance can be a good option for new drivers who want both flexibility and affordability.
What type of new driver insurance do I need?
New drivers legally need at least third party car insurance before driving. This covers the cost of any damage to a third party, including their car or property.
Third party, fire and theft covers the same but with the addition to any damage caused by fire or if the car is stolen.
Comprehensive cover protects against the same but also includes medical expenses, repairs, your own property and sometimes includes a replacement car.
Our temporary car insurance comes fully comprehensive as standard
Can I get temporary new driver insurance?
Temporary car insurance can be the most suitable cover for new drivers, but there are some restrictions on who can get a policy…
To get new driver insurance, you must
- Be aged 17 and older
- Hold a UK driving licence, an EU or International driving licence
- Have been a permanent UK resident for the last 12 months or a British expatriate
- Have no more than 7 licence points in the last 3 years
- Have not been disqualified from driving for the last 2 years
- Have no more than 2 fault claims in the last 3 years
- Have no criminal convictions
- Not have had a previous policy of insurance declared void by an insurer
To get new driver insurance, your car must
- Be valued between £1,500 and £65,000.
- Be in a roadworthy condition with a current and valid MOT (unless you are using the insurance policy to take the vehicle to a pre-booked MOT)
- The vehicle must be taxed (unless you are using the insurance policy to obtain tax for the vehicle immediately after purchase)
- Not be modified in any way except for those designed to aid disabled drivers
- Be a right-hand drive car
- Have no more than 8 seats
- Not be declared SORN
Each insurer on our panel has its own eligibility criteria. Please pay close attention to the Proposer’s Declaration.
What does new driver insurance cover?
As a first time driver, you’ll want to have the right cover. Here’s what comes as standard with temporary insurance:
What’s covered with first-time driver insurance
- Comprehensive insurance from 1 hour to 28 days
- Accidental and malicious damage to your car
- Legal liabilities for injury or damage to another person or their property
- Driving in the UK, and in some instances driving in the EU
What’s not covered with first time driver insurance
- The excess you agreed to pay
- Release from an impound (unless you buy a specific impound insurance policy)
- Additional drivers – we can only cover the driver named on the policy
Each insurer on our panel has its own eligibility criteria. Please pay close attention to the Proposer’s Declaration.
When might I need temporary insurance as a new driver?
Here are some moments when new drivers might need temporary insurance:
- Only driving occasionally
- Borrowing a car for a holiday
- Getting to grips with independent driving in a parent’s car
- Test driving a new vehicle
- Driving away a new vehicle
- Student visiting home
Benefits of temporary insurance as a new driver
New driver temporary car insurance is built to work for you.
- It could save you money - You only pay for the time you need
- Flexible - Built to suit your situation and lifestyle.
- No impact on no claims - As it’s a separate policy, temporary car insurance won’t affect any existing discounts.
Temporary new driver insurance FAQs
The best insurance for a new driver depends on your situation, and specifically how often you’re going to drive. If you’re only driving occasionally, for example, a student back university for the summer, temporary car insurance could be the best insurance for you as you only pay for cover you need it.
The cheapest way to insure a new driver is to pick the cheapest insurance option. This could be temporary car insurance, black box insurance, or in some rare instances being added to your parent’s policy. It’s important to compare all insurance options and check prices before committing to one.
The cost of car insurance can be incredibly high for new drivers. This is because traditionally, new drivers are more likely to have an accident and make a claim. First-time drivers are therefore put into a more high-risk category which means they will have to pay more for their policy.
Car insurance will get cheaper as drivers get more experienced and build up their No Claims Discount.
According to the latest price reports, new drivers aged 18-21 can expect to pay between £1,525 and £2,136 pounds per year for their car insurance. New drivers can find temporary insurance for just £8.99 for a 1 hour policy.
The cheapest cars for young and new drivers to insure are small, less-powerful cars with high safety ratings. Cheap cars to insure include the Nissan Micra, Kia Rio, VW Polo, and Ford Ka+.
Looking for temporary insurance for a different vehicle? New drivers can get a range of temporary insurance products from Tempcover:
Temporary van insurance
Cheap learner driver insurance
Temporary motorbike insurance
Customer Satisfaction
We also currently hold an ‘Excellent’ rating on Trustpilot with over 40,000 reviews.
We’ve been recognised for our work with plenty of awards
We work directly with insurers to provide you with short-term insurance to suit your needs
You can pay for your short term insurance policy in several ways. Using our secure payment system, you can use the following payment methods:
After you’ve bought your policy, your documents will be emailed to you instantly so there’s no waiting around.
The cover you need for the duration you want
Full cover, no impact
Get fully comprehensive cover on our standard short term policies - plus it won't affect your no claims discount
Hourly, daily, weekly
Choose the duration you want with 1-12 hour and 1-28 day cover available - don't pay for cover you don't need
All customised, nothing added
Customise your policy to suit your specific situation - get the policy you want and even choose the minute you want your policy to begin
