Whether you’re heading off on a road trip or just borrowing a car for a few weeks, finding cheap temporary car insurance under 21 can sometimes feel like searching for the Holy Grail! Here’s how to find temporary car insurance for young drivers under 21 a
It’s widely accepted that young drivers pay more for their car insurance than more experienced older drivers, who are viewed as less of a risk.
However when it comes to temp car insurance under 21 drivers can sometimes find it difficult to find any cover at all.
Here’s how to find under 21 temporary car insurance that gives you the cover you need:
Work out what you need
Before you start searching for cheap temporary car insurance for under 21 drivers, you should set out exactly what you are looking for from your insurance.
Will the policy cover your age?
The cover on offer for temporary car insurance for under 21 year olds can vary from provider to provider, so it’s important to know exactly what you’re looking for.
You should exclude any policies that simply don’t offer cover for your age, for example some under 21 temporary car insurance policies require the driver to be 18 or over, while others will cover 17 year old drivers.
How long do you need cover for?
After excluding unsuitable short term car insurance for under 21 drivers based on age you should work out how long you need cover for.
Short term car insurance under 21 is available for anywhere between 1 day and 140 days, so knowing how long you need cover for upfront will make it far easier to find the best cover from the cheapest insurer.
How much cover do you need?
The level and type of temporary car insurance under 21 UK companies offer will also be different for each policy you compare.
Many companies specify a maximum level of cover which will have to include all damage to your car. If you’re getting behind the wheel of an expensive car it’s vital to ensure this amount is more than adequate to cover a replacement should you need to make a claim.
Equally if you plan to drive overseas, perhaps on a road trip, you will need to make sure foreign use is included in your cover and specifically that the countries you plan to drive in are included in your quote.
Finally, as with a standard car insurance policy, temporary car insurance for young drivers under 21 set a policy excess which you will have to pay if you lodge a claim.
You need to make sure that this standard excess is affordable, and find out if you'll be subject to any additional excess, so that you can make a claim should you need to.
Look for the cheapest price
Finally and only after you’ve established exactly what you need from your under 21 temporary car insurance, can you begin the hunt for the cheapest quote.
Use our Temporary Car Insurance Under 21 comparison table to compare short term car insurance for under 21 drivers and to obtain quotes directly from each provider.
