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temporary car insurance for under 21's

Yes, but it will cost you more if you are aged between 17 and 20, and the insurers that do offer this cover may set restrictions, such as:

  • You must have held a valid driving licence for at least 12 months

  • You must not have eight or more penalty points on your licence

  • You must not have any pending prosecutions

Most temporary car insurance policies offer cover from between one to 28 days, but you can get cover as a learner for up to five months.

The cost of short term cover is calculated per day, so try to only pay for the length of cover you need.

Think about what you need the cover for, for example if you are home from university:

  1. Work out how many days you are back, e.g. 25 days

  2. Look for a policy that will cover this period, e.g. cover up to 28 days

  3. Compare prices and policies to find the best deal

If you just need one day car insurance, you can compare policies here.

You should also make sure that you choose a policy that gives you the cover you need, so check the policy carefully before you buy. This guide explains exactly what a car insurance policy covers.

If you need insurance for more than a month it could work out cheaper to buy an annual policy and cancel it, even though you will need to pay a cancellation fee.

This guide shows how cancelling an annual policy can be cheaper than short term cover.

Compare annual car insurance here

You can cut the cost by:

  • Shopping around and getting as many quotes as you can by using our table.

  • Increasing

    the excess on your policy, but beware that the excess set by insurers can be higher for drivers under 21, sometimes as much as £1,000.

    Here is how car insurance excess works.

  • Driving a car with a small engine because they are cheaper to insure.

Q

Why is temporary car insurance for under 21's more expensive?

A

Young drivers are more likely to be involved in accidents and make insurance claims, so car insurers charge them more.

Q

What is the youngest age I can get temporary cover?

A

Most insurers will only cover you if you are at least 18 years old, because you will need to have had a valid driving licence for at least a year.

Q

Does temporary cover include breakdown?

A

Most temporary car insurance policies will include breakdown cover as standard, but you may be given the option to add it at an extra cost.

Q

Is the excess higher on short term policies?

A

Yes it can be, especially if you are a younger driver. Some insurers will set an excess of as much as £1,000 for short term cover.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.


Category: Auto Insurance

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