Temporary Insurance for New Drivers

Some insurance providers require you to be 25 years or older to qualify for a temporary policy. Other insurers may offer temporary car insurance for 17 year olds or those with a provisional license, but this could come with more restrictions.

No. Although temporary car insurance is flexible, it does not typically allow additional drivers to be added to the policy. Each driver would need their own policy for the duration that they’ll be driving the car. 

Potentially temporary car insurance for young drivers is more flexible than an annual car policy. Temporary policies tend to allow more room for the type of car an inexperienced driver can insure. Keep in mind that insurers may vary on this so it’s important to compare a range of quotes.  

Yes. New drivers don’t have a long driving history that insurers can use to assess their risks. They mitigate these risks by increasing the premiums. To find the cheapest temporary insurance for new drivers, it’s advisable to shop around to find affordable policies for new drivers under 21. Some insurance companies might be more lenient than others when it comes to driving experience.

Not necessarily. Although new drivers can have their own insurance, or be added to someone else’s policy, it can be expensive or excessive for the amount of time they will be driving. If you only plan to drive for a short period of time, a temporary insurance young driver policy could be the better option. 

When you take a lesson with a certified instructor, you don’t usually need additional temporary insurance. Their instructor’s insurance typically covers you. If you want to practice outside of your lesson time with an uncertified teacher or family member, you would need to take out temporary learner driver insurance. It’s convenient because you can take it out for as little as one hour or up to 30 days. Some insurers may offer cover up to 60 days giving you more time to learn how to drive. 

Yes. In fact, temporary young driver insurance could be a cost-effective way to ensure you are covered once you’ve passed your driving test. Insurers may be reluctant to offer standard car insurance to new drivers because of the risks involved. Temporary insurance is more flexible and often automatically offers comprehensive cover, even to new drivers. 

Yes as long as they have a minimum of third party cover on the car. You can get this by being added to an existing insurance policy as an additional driver, taking out their own car insurance, or purchasing temporary insurance for young drivers on the car. If you already have insurance, you might have a DOC (Driving Other Cars) cover included. This would give third party cover for driving other cars.

Only some temporary insurance providers will offer cover for 17 year olds. We make it easy to find temp insurance for 17 year olds by providing a list of UK-based insurers in one place. This lets you compare policies and providers quickly and easily, so you can find insurers that will cover you. 

Whilst the requirements for temporary learner driver insurance can vary from insurer to insurer, there are a few standard requirements that are fairly universal for insurers across the UK.

• You’ll need to be at least 17 to take out a policy.
• You’ll need a valid provisional driving licence.
• You’ll need to be supervised by a qualified driver who is at least 25 years old and has held a full driving licence for at least 3 years.
• You’ll need a road worthy car in order to take out a temporary learner driver policy.