You could find a better deal with one of these car insurance companies that offer temporary cover for 18 year olds.
You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.
1
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Enter a few details as this helps us to find the right temporary car insurance so that we can provide our best quotes. With temporary car insurance for 18-year-old, you get the insurance you need for a few days or weeks without the large price tag.
2
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We'll search our database of leading providers and show you the best deals we can find. Whether you’re a new driver, a young driver, or even a learner, temporary car insurance gives you ease and flexibility traditional insurance can’t offer.
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Review all the details and simply pick the best temporary car insurance deal for you and apply. If you’re 18 and have had a full licence for at least 6 months, we’re confident and can help you find a great temporary car insurance policy.
| Available Direct | |
| Available Online | |
| Minimum Age | 18 years |
| Maximum Age | 75 years |
| Permanent UK Resident |
| Available Direct | |
| Available Online | |
| Minimum Age | 18 years |
| Maximum Age | 75 years |
| Permanent UK Resident |
| Available Direct | |
| Available Online | |
| Minimum Age | 17 years |
| Maximum Age | 78 years |
| Permanent UK Resident |
| Available Direct | |
| Available Online | |
| Minimum Age | 17 years |
| Maximum Age | 35 years |
| Permanent UK Resident |
| Available Direct | |
| Available Online | |
| Minimum Age | 17 years |
| Maximum Age | 30 years |
| Permanent UK Resident |
Most companies that offer temporary car insurance do not cover those below the age of 25, but it is possible for younger drivers to get short-term cover, if they've held a full driving licence for at least 12 months.
Most companies that offer temporary car insurance do not cover those below the age of 25, but it is possible for younger drivers to get short-term cover, if they've held a full driving licence for at least 12 months.
Temporary or short-term car insurance for younger drivers is hard to find but it is possible to get cover if you shop around.
You can compare car insurance policies for new drivers and drivers who are 18 but any car insurance policy quotes you get for temporary insurance will be expensive.
All car insurance is more costly for the younger and less experienced driver. Figures from the Department for Transport in 2018 show that around one in five new drivers are involved in a crash during their first year on the road.
Insurers, therefore, consider youth to be the biggest risk factor when pricing car insurance premiums. Other factors and statistics insurers consider include:
New drivers are more likely to be involved in accidents and make insurance claims
Young drivers between 17 and 24 are three times more likely than drivers from any other age group to be injured in a car accident
When young drivers crash there are often other young people in the car as potential "third-party" claimants
Temporary car insurance for one day is a good option if you only need cover for 24 hours, and it is cheaper than buying an annual policy and cancelling it.
As well as the age of the driver you will also need to check the policy's other acceptance requirements, including:
The maximum vehicle value you can get cover for - as any vehicle costing over this amount will not be covered
The standard excess that is payable by you in the event of a claim.
Find out how car insurance excess works here.
While temporary car insurance for younger drivers is expensive, there are a few ways in which you can lower the costs.
Increase the excess on your policy - but be sure that you can afford it because the excess set by insurers can be as much as £1,000 for drivers who are 18
Driver a smaller car - if you need temporary insurance when borrowing a friend's car, don't borrow an expensive and powerful vehicle, borrow a car with a small engine because these usually cost less to cover
Shop around for short term car insurance - compare as many quotes as you can and only get cover for the exact period you need it, because you could end up paying over the odds for 24 hours of cover you do not use
If you cannot find affordable temporary cover you could try being added as a named driver to someone else's policy. The more experienced the named driver, the less expensive it's likely to be for you to be added.
The policyholder will pay extra on top of their premium to have you added and, if it is only for a short-term period, they will have to pay administrative costs to the car insurance company to have you removed again.
You will need the permission of the policy holder to do this, and it could mean the cost of the insurance goes up and there no claims bonus that could be at risk if you have an accident.
If you have not passed your driving test and want to get some road practice in a family member's or friend's car, you will need to look for specialist learner driver insurance, which is also a form of temporary car insurance.
You must have a qualified driver sat next to you, and some insurers specify that they must be at least 25-years old.
Learner policies range from just a few days to five months of cover. Alternatively, if you think it's going to take a while before you pass your test, you can get annual learner car insurance.
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Last updated: 7 March,2022
