Can I Get Temporary Car Insurance as a Young or New Driver?
If you’re under 21, newly qualified, or still on a provisional licence, getting temporary car insurance is possible—but there are extra checks, and not every insurer will offer cover. Here’s how it works for young or new drivers, what restrictions to expect, and what to check before you apply.
Key points
- Many temporary car insurance providers only cover drivers aged 18 or over, sometimes with a full licence for at least 6 to 12 months.
- Some insurers do offer short-term cover for provisional licence holders or newly qualified drivers—but expect more conditions and higher prices.
- You’ll need to meet minimum requirements for age, driving history, and the type of car you want to drive.
- Temporary cover can be a great way for young drivers to borrow a car, get extra practice, or drive during university holidays.
- Always compare policies carefully, as acceptance rules and prices vary between insurers.
Can Young Drivers Get Short-Term Insurance?
Yes—many temporary car insurance providers will offer policies to young drivers, usually from age 18 or 19. You’ll need to hold a full UK licence (and often for at least 6 to 12 months). Premiums can be higher, and some insurers set strict limits on engine size, car value, or postcode.
If you’re a newly qualified driver, short-term cover is ideal for borrowing a family car, driving after passing your test, or getting used to your own car before buying an annual policy.
Can I Get Temporary Cover on a Provisional Licence?
A smaller number of insurers offer temporary car insurance to learner drivers on a provisional licence. This cover is often used for extra practice in a family car, for driving lessons, or to take your test. Check the policy carefully, as some may only cover you when supervised by a full licence holder, and age restrictions are usually in place.
What Are the Main Restrictions?
- Age: Minimum usually 18 or 19, sometimes 21 for higher performance or more expensive cars.
- Licence: Often need at least 6 months on a full licence; some accept provisional licences for learners.
- Car type: Limits on car value, engine size, and modifications; high-performance or rare cars may be excluded.
- Driving history: Fewer or no recent accidents or convictions; some may check for penalty points.
- Postcode: Some areas with higher theft or accident rates may be declined.
Tips for Young and New Drivers
- Shop around and compare quotes, as rules and prices vary widely.
- Consider starting with a lower-powered, standard car for a better chance of being accepted.
- Always be honest about your age, driving record, and the car you want to insure.
- If you’re still learning, double-check that your supervisor meets the policy requirements.
In Summary
It’s possible for young, newly qualified, or provisional drivers to get temporary car insurance, but you may face higher costs and stricter rules. Compare your options and check all policy details before you buy. For instant quotes and more on eligibility, visit our temporary car insurance page.
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