If you’re a young driver, chances are you’ve faced an eye-watering premiums for your car insurance. Temporary insurance is one route to making potentially big savings. Our guide explains.<\/p>
Young drivers usually pay higher car insurance premiums, as insurers typically consider them to be more at risk of being involved in an accident due to a lack of experience.<\/p>
There are a couple of ways you can try to reduce your premiums:<\/p>
If neither option above appeals, you can get temporary insurance. Cover is usually available for between 1 to 30 days and can be used to drive either a borrowed car or your own car, as long as you register your vehicle as off the road (SORN)<\/a> while it’s uninsured.<\/p> You cannot use this type of cover as an alternative to an annual policy, and only take it out when you want to drive your own car. Keeping an uninsured car without a SORN is illegal, and getting one of those is a hassle, so it’s unlikely to be worth doing over and over in the year. Additionally, most insurers only offer temporary cover for cars that already have an existing policy taken out by their owner.<\/p> Temporary cover works best if you want to occasionally borrow a car from a friend or relative, as it sits alongside their annual policy, but won’t affect their no claim bonus if you make a claim<\/b>.<\/p> Temporary cover tends to be the same for younger and older drivers. The policy specifications will likely vary by provider, but most companies only offer a comprehensive<\/a> temporary insurance policy, which usually includes the same basic options, like third party cover, damage to the vehicle being driven and cover for theft.<\/p> That said, some companies offer temporary insurance cover designed for learner drivers<\/a> and student drivers<\/a>. Of course, neither of these necessarily means the person driving is a young driver (this usually refers to those under 25), but some insurers specify that you have to be under a certain age to qualify.<\/p> Yes. Drivers under 21 often struggle to get insurance cover, but it is available. Specialist providers, like Marmalade<\/a>, offer both temporary and annual cover for drivers under 21<\/a>, though some policies are restricted to students.<\/p> Other providers, like InsureDaily<\/a> and Aviva<\/a>, have temporary cover available to drivers younger than 21, regardless of whether they are in education.<\/p> Insurance for young drivers can be very expensive, which can leave it out of reach for some people.<\/p> Unfortunately, temporary insurance cannot be used as an alternative to taking out an annual policy if you want to drive your own car year-round.<\/p> This type of cover works best in these situations:<\/p> If none of the above circumstances apply to you and you still need to take out an annual policy, have a look at our review of the best car insurance for young drivers<\/a> in the UK right now to find the best deal for you.<\/p> Temporary insurance cover can be a great option if you can’t afford an annual policy and have the option to borrow a car from a friend or family member, or if you only need a car for up to 30 days.<\/p> Remember that this is not an alternative to getting your car insured if you want to keep it year-round, as it will have to be declared as SORN<\/a> while it is not insured, even if you’re not driving it.<\/p>What’s different about temporary car insurance for young drivers?<\/h3>
Can you get temporary car insurance for drivers under 21?<\/h3>
When can a young driver opt for a temporary car insurance policy?<\/h3>
Bottom line<\/h3>
Frequently asked questions<\/h3>
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