Written by Graham Cutbill-White
Learning to drive and passing your test is a really exciting time, and you’ll have lots to think about. How will you score on the day? What model of car will be your very first? And where will that new-found sense of freedom take you?
While that’s all well and good, you still need to focus on the important stuff, like car insurance. You’ll need cover in place to drive any car other than your instructors, no matter how long you use it for. There are very serious consequences if you’re caught driving without insurance, particularly if you’re a learner or newly qualified driver, so it’s never worth risking it.
If you’re taking some lessons in a friend or family member’s car, they could always add you to their existing policy. But there’ll be mid-term adjustment charges if they try to do so, and because new drivers are seen as higher risk, you’ll almost certainly push up their premiums by a large amount in the process. That can seem unworthwhile if you think you’re only a few weeks off passing and getting your own car.
Similarly, if you’ve passed but you’ve not got round to buying your own car yet and are sharing someone else’s, you could take out your own annual policy. But if getting your own is a very immediate prospect, you wouldn’t want to be locked into any contracts on someone else’s vehicle.
Thankfully, there is an alternative, in the form of temporary car insurance for new drivers.
Yes, new drivers can get temporary car insurance. It’s the sensible choice when being tied into a long contract just doesn’t seem worthwhile. If you’d only need cover for a short time, such as to practice driving in someone else’s car or to borrow one before your new car arrives, temporary cover could save you lots of time and money.
While many new drivers can take advantage of temporary car insurance, you will be seen as higher risk, and different insurers will apply their own criteria which may mean it’s not available to everyone.
It’s not impossible for 17 and 18 year old, newly-qualified drivers to find temporary cover – but it will be much harder.
We work with a panel of insurers, and each apply their own criteria about who is eligible for cover. Rules commonly applied that could stop you being able to get temporary insurance include that you must have held a licence for a minimum of 12 months. If you’re unsure, it’s always worth checking.
At Tempcover, we can only guarantee to find temporary car insurance for new drivers aged 19 or over. If you have any questions, find out more about our younger driver car insurance.
The great thing about temporary car insurance for new drivers is that it’s flexible. You can 1 day car insurance if you needed to borrow someone else’s car to go pick your new one up. You then have the option of a few days or weeks, right up to one month, which could be perfect for when your practicing with a family member out on the roads or waiting for a manufacturer to deliver your car to order.
Whether you’ve just started your lessons, or you’ve been qualified a few months now, there are lots of situations where short term cover could come in handy:
It makes sense to get all the experience you can in the run up to your test. And because tutored lessons can be expensive, taking classes with a friend or family member can get be a great way to get extra hours on the road. With our learner driver insurance, you’re free to borrow their car for some sessions over days or weeks, and the owner’s no claims discount will be protected in the process.
Once you’ve passed, your mind will be turning to getting your hands on a vehicle of your own. Particularly if you’re buying second hand, test driving is highly recommended, but you’ll need insurance in place to do this. Our test drive insurance is perfect is you just need a few hours cover to get a feel for a car before you buy.
If you’ve bought new, cars can take a while to arrive and delays do sadly happen. But you don’t want to lose your momentum, so it makes sense to borrow a vehicle to use in the meantime. Our car insurance for new drivers is here to let you do just that.
If you’ve gone off to uni, the fact you’ve got everything on campus might mean a car is an unnecessary expenditure. But you’ll still need to get around when you’re home, and our temporary student car insurance lets you do that. You can get cover on Mum, Dad or a sibling’s car for the few weeks your back in summer and at Christmas.
Sometimes you just have to take an opportunity when it presents itself. If you come across the perfect car before you’re all done with your tests, you may want to keep it to on-side while you focus on getting to grips with your instructor’s vehicle. But if you store it on the road, it’ll still need insuring. With our temporary cover, you’ll stay on the right side of the law and can leave finding a more permanent arrangement until later.
For more information about situations like this, take a look at the Government guidance around rules for uninsured vehicles.
How much you’ll pay for any car insurance policy depends on lots of factors, like your age, your driving history, where you live, and the model of car you’d like to insure.
That means it’s hard to say exactly how much you’ll pay. But one thing that is for certain is that newer and younger drivers can expect to pay more for their cover than their more experienced counterparts.
When calculating your premium, insurers compile all the information they have to calculate how much of a risk you are. The higher a risk you’re found to be, the more you’ll need to pay.
The unfortunate reality is that new drivers and young drivers are more likely to be involved in an incident and therefore make a claim. That’s why they’re charged more by comparison.
That being said, temporary cover could still prove a far more affordable alternative when compared to adding a new driver to someone else’s annual policy, or the new driver being tied into an annual policy of their own – one that provides cover for longer than they actually need.
If you’re worried about the cost of your short term car insurance, there are a few changes you can make that could help bring the charges down. These include:
At Tempcover, we’re here to help new drivers get out on the road.