Compare temporary car insurance for under 21s

If you're 21 or under, you could find temporary car insurance that can cover you in the short term from these companies.

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Compare temporary car insurance for under 21s from leading providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

safely insured 2021
sterling insurance 2021
goshorty 2021
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tempcover 2021
cuvva 2021

How to compare temporary car insurance for under 21s

1

Enter your details

Enter a few details as this helps us to find the right temporary car insurance so that we can provide our best quotes. Whether you only need day insurance for under 21s or are looking for something a little longer, there are plenty of benefits to a temporary policy.

2

Compare quotes

We'll search our database of leading providers and show you the best deals we can find. Finding the right car insurance deal to meet your needs is important. It’s a good idea to shop around and compare what’s on offer.

3

Apply and save

Review all the details and simply pick the best short term European car insurance deal for you and apply. You can also pick from lots of optional extras, that you perhaps wouldn’t want to include on your annual policy.

Temporary car insurance deals

8 results found, sorted by affiliated products first. How we order our comparisons. Commission earned affects the table's sort order.
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Safely Insured Short Term Car Insurance
European cover
Third party only as standard
Policy term
1 day to 84 days
Standard excess
£500
Safely Insured Short Term Car Insurance
Safely Insured compares quotes from the UK’s leading temporary insurers, you can find the right policy for a price that suits you. Comprehensive cover from 1-84 days for drivers between the ages of 19-75, Also offering Impound & Learner Driver Cover.
This is an insurance broker.
Eligibility
Available Direct
Available Online
Minimum Age19 years
Maximum Age76 years
Permanent UK Resident
Sterling Short-Term Car Insurance
European cover
Third party only as standard
Policy term
1 day to 30 days
Standard excess
Varies
Sterling Short-Term Car Insurance
Download Sterling's short term app. Sterling's temporary car and van insurance offers the same protection and level of cover of an annual policy, and is brilliant value for money. Sterling covers a wide variety of vehicles and drivers aged 21 or over.
This is an insurance broker.
Eligibility
Available Direct
Available Online
Minimum Age21 years
Maximum Age79 years
Permanent UK Resident
dayinsure.com Short Term Car Insurance
European cover
Third party only as standard
Policy term
1 hour to 30 days
Standard excess
£250
dayinsure.com Short Term Car Insurance
For peace of mind all dayinsure's temporary insurance policies are underwritten by Aviva, their key partner, or other insurers and breakdown cover is provided by RAC. Dayinsure covers drivers aged 18 to 75 and is available for Cars, Vans and Motorhomes.
Eligibility
Available Direct
Available Online
Minimum Age18 years
Maximum Age75 years
Permanent UK Resident
Online User Experience Award Winner: Digital Experience Awards 2020
Tempcover.com Short Term Car Insurance
European cover
None
Policy term
1 hour to 28 days
Standard excess
Varies
Tempcover.com Short Term Car Insurance
Find flexible temporary car and van insurance from Tempcover in just 90 seconds. From just 1 hour up to 28 days, drivers aged 17-78 can find a policy to suit hundreds of everyday situations when a few hours, days or weeks insurance is all you need.
This is an insurance broker.
Eligibility
Available Direct
Available Online
Minimum Age17 years
Maximum Age78 years
Permanent UK Resident
dayinsure.com Learner Driver Insurance
European cover
None
Policy term
2 hours to 5 months
Standard excess
£250
dayinsure.com Learner Driver Insurance
For peace of mind all dayinsure's temporary insurance policies are underwritten by Aviva, their key partner, or other insurers and breakdown cover is provided by RAC. Dayinsure covers drivers aged 18 to 75 and is available for Cars, Vans and Motorhomes.
Exclusively available to learner drivers.
Eligibility
Available Direct
Available Online
Minimum Age17 years
Maximum Age35 years
Permanent UK Resident

Can you get temporary car insurance if you are under 21?

Yes, although some companies offering temporary car insurance only cover drivers over the age of 25. However, younger drivers can still get short-term cover from many providers. Compare quotes here to get the best price.

Temporary or short-term car insurance can be expensive if you are under 21, so it’s important to shop around. This guide will help you to get the cheapest quote possible.

What policies are available?

Most temporary car insurance policies offer cover from between one to 28 days, but you can get a temporary learner policy that lasts up to five months.

The cost of short-term cover is calculated by the day, so ensure you only pay for the length of cover you need.

Think about what you need the cover for: you might be home from university and need to borrow a family member's car, for example. Work out how many days you’re likely to need the vehicle, and arrange for a policy that will cover this period, taking into account any days spent picking up and returning it. Then compare prices and policies to find the best deal.

See exactly what a car insurance policy covers.

Day insurance for young drivers

If you’re only likely to use a vehicle for a very short time, it may be cheapest to opt for single-day cover. 

If you decide you just need one-day car insurance, you can compare policies here.

Temporary car insurance or annual policy?

If you need insurance for more than a month it could work out cheaper to buy an annual policy and then cancel it after a month, even though this will incur a cancellation fee.

This guide shows how cancelling an annual policy can be cheaper than buying short-term cover.

Compare annual car insurance here

Temporary car insurance for students under 21

If you’re a student under 21 years of age, temporary car insurance may be a good option. You are more likely to need cover for a shorter time, and a temporary insurance policy is likely to be cheaper than buying an annual policy and cancelling it.

Learner driver car insurance

If you’ve not passed your driving test and want to get some road practice in a family member's or friend's car, look for temporary learner driver insurance.

You must have a qualified driver sitting 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.

Compare quotes for learner driver insurance here.

How can I get temporary car insurance if I am under 21?

Car insurance companies consider drivers aged between 17 and 20 to be a much higher risk due to their lack of experience behind the wheel. Insurers that do offer temporary cover may set restrictions, such as:

  • you must have held a valid driving licence for at least 12 months

  • you must have no more than eight penalty points on your licence

  • you must not have any pending prosecutions

You will also need to check the policy's other acceptance requirements, including:

  • the maximum vehicle value you can get cover for

  • the standard excess payable by you in the event of a claim

How can I lower the cost of temporary car insurance?

Temporary car insurance is expensive for under 21s, but there are ways in which you can help mitigate some of the costs:

  • Increase the excess on your policy. Ensure you can afford to do this, however, because the excess set by insurers can be as much as £1,000 for young and newly-qualified drivers

  • Drive a smaller car. If you need temporary insurance when borrowing a friend's car, be mindful of its power. Cars with smaller engines 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 if you cover yourself for days you don’t use

Be a named driver on someone else's car insurance policy

If you are struggling to find affordable temporary cover you could try asking a family member to add you as a named driver on their policy.

The policyholder will pay extra on top of their premium to have you added and, even 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.

It’s also a risk for the main policyholder to add you as the cost of their insurance will increase and their no-claims bonus may be affected if you have an accident.

Temporary car insurance for under 21s FAQs

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We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

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Last updated: 13 April, 2022