Can 18-year olds get temporary car insurance?

It is possible for younger drivers to get temporary car insurance, but you will need to compare quotes to get the best deal.

Temporary or short-term car insurance for younger drivers can be expensive but it is possible to get cover if you shop around.

Temporary car insurance for 18-year olds

Most temporary car insurance policies will offer cover to someone who has held a valid driving licence for at least 12 months.

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.

Why is temporary car insurance for 18-year olds expensive?

New drivers have less experience and are more likely to be involved in accidents and make insurance claims, so car insurers charge them more.

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.

  • 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.

  • Young drivers often crash with other young people in the car, injuring them and because each passenger is a 'third party' an

  • insurer would have to pay out for their injuries You have little or no previous driving experience

Short term or one day car insurance

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.

Cheaper one-day or temporary car insurance for 18-year olds

There a few things you can try to keep the cost down if you need short term car insurance.

Increase the excess on your policy

Make sure you can afford it because the excess set by insurers can be as much as 1,000 for drivers who are 18.

Find out how car insurance excess works here.

Driver a smaller car

Drive 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.

Cheap car insurance for young drivers

If you cannot find affordable temporary cover you could try being added as a named driver to someone else's policy.

You will need to the permission of the policy holder to do this, and it could mean the cost of the insurance goes up and their [link+""]no claims bonus[/link] could be at risk.

If you have not passed your driving test, you will need to look for specialist learner driver insurance, or if you think you will need cover for the long term, get an annual young drivers policy.

Temporary car insurance for 18 year olds FAQs


Why is temporary car insurance for young drivers more expensive?


Young drivers are more likely to be involved in accidents, making more claims, and more likely to injury other young people in those accidents, making more expensive insurance claims, so car insurers charge them more.


Can I get car insurance for just a short period?


Yes, you can get cover that lasts from one day up to a month. Here is when you should consider short term car insurance.


What is the youngest age I can get temporary cover?


Most insurers will only cover you if you are at least 18 years old, because you will need to have had a valid driving licence for at least a year.


Can I get temporary cover with a provisional licence?


No, but you can get a temporary learner's policy with a provisional driver's licence. Here is how to find the right learner's policy.


Do I need insurance as a learner?


Yes, you must be insured if learning in your car or someone else's. Find out how to get learner drivers cover here.


Does temporary cover include breakdown?


Most temporary car insurance policies will not include breakdown cover as standard, but you may be given the option to add it at an extra cost.


What happens if I do not have car insurance?


It is illegal to drive in the UK without insurance it and you could face a fixed fine, six points on your licence and your car being seized and destroyed.


Is the excess higher on short term policies?


Yes it can be, especially if you are a younger driver. Some insurers will set an excess of as much as 1,000 for short term cover.