temporary car insurance for 18 year olds

Yes, but not many temporary car insurance providers will not cover you until you have held a valid driving licence for at least 12 months.

The table above can help you find short term car insurance if you are 18, but be warned that any policy you find will be very expensive; quotes can be in excess of £100 per day. This is because:

  • You have little or no previous driving experience

  • You are statistically more likely to have a crash and make a claim

There a few things you can try to keep the cost down:

  • Increase the excess on your policy, but make sure you can afford it because the excess set by insurers can be as much as £1,000 if you are 18. Find out how car insurance excess works here.

  • Drive a car with a small engine because these usually cost less to cover. Find out which cars are the cheapest to insure on the Parkers website.

  • Compare as many quotes as you can by using our table to find the best deal.

  • Only get cover for the period you need it, because you could end up paying £100s for 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.

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 no claims bonus 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.


Why is temporary car insurance for young drivers more expensive?


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


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.


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.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.

Category: Auto Insurance

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