Temporary car insurance for students

If you’re a student and need to borrow a car, a temporary car insurance policy could help to save you money in the long run.

If you’re home from university visiting family and need to borrow their car, have you considered how much the car insurance will cost? A normal annual car insurance policy might not be suitable so choosing temporary car cover instead might be more worthwhile. Read our guide to compare temporary car insurance and discover what you’ll need in order to get cover as as student.

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Compare car insurance policies for students

Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 90 days
Up to £5,000 personal accident cover or up to £7,500 for AA members.
N/A
New customers get AA Roadside Assistance for a year from just £15, plus discounts on breakdown cover upgrades.
Up to 90 days
Up to £5,000 personal injury cover
Insure more than one vehicle under the one policy. Every car added will earn its own discount.
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Quotes starting from £248 per year. No claims & MultiCar discounts on offer.
Up to 180 days
Yes
N/A
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit
Up to 90 days
Cover you or your partner up to the benefit amount outlined in your insurance agreement
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy
Black box insurance, Young driver insurance
  • Replacement, upgrade or the money in case of write off
  • No-claims discount protected if car is vandalised or hit by an uninsured driver
  • (terms apply)
Up to 90 days
Yes
Yes
Young driver insurance
Optional
You or your partner are covered up to the amount in your insurance agreement.
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy
Black box insurance
  • Guaranteed hire car as standard
  • Taxi to get you to your destination
  • No-claims discount protection (terms apply)
Up to 90 days
£5,000 of personal injury cover for you and your spouse
Yes
Young and first time drivers insurance
Up to 90 days
You or your partner are covered up to £2,000 per person.
N/A
Short term car insurance, Young driver insurance
20% off MOT costs and 10% off servicing with comprehensive and third party policies.
Up to 90 days
Optional extra
If you've got more than one car to insure at the same address, you could save 10% on your cover
Multi-car, temporary insurance
Optional
Personal accident cover up to £5000.
N/A
Learner driver insurance, Young driver insurance, New driver insurance, Student insurance, First time drivers insurance
Up to £200 cover if handbag is stolen child seat cover.
No
Cover up to £10,000 per accidentand £2,500 per person.
N/A
Learner driver insurance
Insurance for young and learner drivers ages 17 to 25. Discounts up to 21% for good driving.
Up to 90 days
Get up to £10,000 cover per accident.
N/A
M&S Bank cardholder's save up to 15% when taking out a new policy or renewing existing insurance.
Up to 93 days with a foreign use extension
-
Up to 15% off certain additional car insurance policies
Young driver insurance
Up to 60 days
Cover for passenger injury.
N/A
Free breakdown cover for eligible new customers and 3 year guarantee on repairs carried out by approved repairers.
Up to 60 days
N/A
Get 10% discount when you insure additional cars in your household
Young & New Drivers Car Insurance, Temporary Insurance, Test Drive Insurance, Young & New Drivers Insurance
Cover for £165 or less for eligible customers. Discounts available for RAC members.
Up to 90 days
Optional extra
Get 10% off when you insure additional cars in your household
Multi-car, temporary insurance

Compare up to 4 providers

Why do I need temporary car insurance?

All drivers are legally required to have car insurance to be on UK roads as it provides financial protection if you’re involved in an accident. It can cover against injuries as well as damage to property for you and others. Car insurance can also offer financial protection if your car is vandalised, stolen or damaged by fire. You may not need cover for the whole year, especially if you spend the majority of your time at university where you might not need a car. Therefore, it’s worth considering only paying for insurance when you need it, such as short term car insurance.

What levels of temporary car insurance are available?

The minimum level of cover for all drivers in the UK is third party car insurance.

  • Third party. If you’re responsible for causing an accident, you’ll be covered for damage to third party vehicles or property. However, it won’t cover any damage to your own car.
  • Third party fire and theft. This will give the same level of cover as third party but will also provide protection against any fire damage to your car or theft of your car.
  • Comprehensive. This gives the same protection as the lower levels as well as protecting your vehicle against accidental damage and vandalism. It might be cheaper than third party or third party fire and theft, so always check.

What are the benefits of temporary car insurance for students?

Temporary car insurance can offer several benefits over a standard annual car insurance policy. Consider the following:

  • Flexible policy terms. If you’re busy at university and only need to use a car during breaks then being able to choose how long you need cover, for example, from a few hours up to a month, offers the most flexibility.
  • No claims bonus protection. Adding a temporary car insurance policy to the car owner’s annual car insurance policy will provide added protection and peace of mind. If you need to make a claim, you would claim through your own temporary policy, which wouldn’t affect the car owner’s annual policy or any built-up no claims bonus they may have.
  • Save money. By only paying for what you need, you’ll save money rather than simply having an annual policy.
  • Designed for students. Some insurance providers specifically offer temporary car insurance for students, which could be more affordable. You may need to provide additional information to prove you’re a student.

This is the latest available (2016) annual data showing premiums and claims for different age groups, from the Association of British Insurers.

Average car insurance premiums by age group

Average premiums and claims

What do I need to get temporary car insurance as a student?

The requirements will vary depending on which insurance provider is able to offer you temporary car insurance but you’ll usually need to provide the following:

  • Personal details such as name, address and contact details
  • Provide a valid UK driving licence held for at least 12 months with no more than 8 penalty points
  • Information about the car you want to insure on a temporary basis
  • The intended dates and duration you would like to take out car insurance for

Frequently asked questions

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