Temporary Car Insurance for New Drivers - A Guide

A young driver driving a car
The excitement of passing your test and being able to legally drive on your own is one of the most incredible things for young drivers and first-time drivers.

However, while it's important to enjoy the excitement, it’s also important to be aware of the type of car insurance you need as a new driver, particularly with regards to short-term car insurance if you need to drive straight away.

In our guide to temporary car insurance for new drivers under 21, we tell you everything you need to know as well as how to find cheap temporary car insurance for new drivers.

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Do new cars come with temporary insurance?

If you buy a new car from a car dealership, they may include temporary car insurance as part of the sale, sometimes for up to one week.

However, not every car dealership will offer this, so it’s important to check whether you need to purchase short-term car insurance before you drive away.

When would new drivers need temporary car insurance?

There are numerous instances where new or young drivers might need temporary car insurance, including:

  • Driving occasionally for work.
  • Driving home from university on the weekends.
  • Borrowing a friend’s car to drive somewhere.
  • Picking up a new car and driving home from the dealership or place of sale.
  • If you’re learning to drive.
  • If you need to drive someone else’s car in an emergency.

If you’re under 21 years old and learning to drive, you might want to take out temporary car insurance to practice driving in someone else’s car before you take your driving test.

Instead of taking out a full learner driver insurance policy, you can take out temporary cover for a short time so that you can use someone else’s car to practice.

Regardless of whether you’re a young driver or not, if you’re a new driver and you need to pick up your new car after passing your test, you can get temporary car insurance for one or two days to cover the time that you’re driving to and from the car dealership or wherever you’re picking up your new car from.

Remember that you will need to insure yourself on someone else’s car if you’re borrowing it to collect your new vehicle. 

You might like: Am I insured to drive other cars?

How does short-term car insurance work?

As a new driver, you can get 1-day car insurance, 1-week car insurance or 3-month car insurance, depending on how long you need temporary cover for. 

Short-term car insurance works by offering cover for a short amount of time, including anywhere from one hour with some providers, to a few months. It allows you to be insured to drive for a short time that’s suitable for you, so you don’t have to commit to an annual policy if you only need to borrow someone’s car for a week, for example.

While short-term car insurance often works out more expensive on a daily basis than annual cover, its flexibility is often much more desirable, especially for young drivers.

What is the longest and shortest time you can get short term cover for?

You can get short term cover for as little as one hour and you can usually get it up to 3 months (90 days). Anything longer than that is usually considered to be a long-term policy, so you might need to take out an annual policy if you want something slightly longer than 3 months. 

Benefits of temporary car insurance for new drivers

There are numerous benefits of taking out a temporary car insurance policy:

  • You can cancel it at any time.
  • You can get cover for as little as one hour if you only need to drive a car for a short amount of time.
  • It can save you money if you only need temporary cover for one week or so, rather than taking out a full annual policy.
  • It’s usually relatively quick and easy to get a temporary car insurance quote, as long as you have all the relevant details to hand.
  • It doesn’t affect your No Claims Discount as it’s standalone insurance.

Who is eligible for new driver insurance?

If you’re aged between 17 and 35, you will be eligible for learner driver insurance and if you’re aged between 19 and 75, you can be eligible for new driver insurance, providing that you hold a full UK driving licence and the car you’re insuring is registered in the UK.

What do new drivers need to get short term car insurance?

To obtain short term car insurance as a new driver, you will need to complete several steps when making your insurance application. When getting a quote for temporary new driver car insurance, you will need:

  • Your driving licence (or provisional driving licence if you need temporary car insurance while learning to drive).
  • Your name, address, date of birth, job title and email address.
  • The vehicle registration number of the vehicle you want to insure.

How much is temporary cover for new motorists?

The cost of temporary cover for new motorists differs depending on factors such as the driver’s age, the car you want to insure, how long you want to insure the car for, plus more.

In order to find the best temporary car insurance for new drivers, spend some time researching different providers and comparing quotes from different insurers to find the best option for you.

Take a look below at some of the best temporary car insurance providers for new motorists in the UK:

  • Cuvva
  • Dayinsure
  • Tempcover
  • Insure4aday
  • Aviva

Taxing a car with temporary car insurance - can you do it?

Before you can tax a car, you will first have to ensure that it’s insured, so if you need to tax a car with temporary car insurance, you’ll be pleased to know that it is possible to do so.

As long as your car insurance policy details show up on the Motor Insurance Database, you can tax your car with temporary car insurance.

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