Temporary Insurance For Young Drivers

It’s that time of the year when students start flocking home to the nest from Uni. Give them their freedom (and transport to their summer job) by arranging great value temporary insurance for young drivers.

What is temporary insurance for young drivers?

Temporary insurance can be a cheaper way to get comprehensive or third party car insurance on someone else’s car for anyone who doesn’t drive very often. It can be arranged for as little as one day or for up to 28 days.

It’s ideal if:

  • You are back from university for a few weeks and want the freedom of being able to drive someone else’s car.
  • You’re planning a road trip and want to share the driving.
  • You want to take a test drive in a car you’re thinking about buying.
  • You are a learner driver and want to practice in someone’s car.

Is taking out temporary insurance cheaper than adding a young driver to annual insurance?

This really depends on how often the young person is going to drive the car. If you need to take out several short-term insurance policies throughout the year it could end up more expensive that simply adding a young person to your annual policy. If you’re not sure what is best for you, speak to your broker for advice.

Is it difficult to arrange short-term insurance for young drivers?

Young drivers under the age of 21 years old can sometimes find it harder to get temporary insurance because they are considered a very high risk. As a specialist independent broker, Park Insurance has the contacts and expertise to secure great value short-term insurance even for new drivers.

Cheap temporary insurance for young drivers

Owning a car is out of reach for many young people. Aside from the actual purchase, the average cost of annual car insurance for the under 25s can be huge. Typically, this age group now spends half the value of their car on insurance premiums. In an effort to reduce costs, it’s no surprise that many young drivers opt instead to be added as a named driver on a parent’s vehicle if they are not the main driver. Whilst we all want to save money where we can, it’s important to remember that it is illegal for parents to claim to be a main driver if they are not. This is called fronting and if you are discovered the insurance will be invalidated, the policyholder will be fined and the young person could lose their driving licence.

If a young person is away at university for large chunks or the year, or they only need to use the car very infrequently, opting for temporary insurance can be a cost effective way of getting behind the wheel.

Driving a better price on temporary insurance for young drivers

Being a safe driver is the best way to get the cheapest temporary insurance cover. Penalty points for speeding or using a mobile phone behind the wheel will hike up premiums. So always drive carefully if you want to keep costs down.

Can I leave my car uninsured when I’m not using it?

No. It’s really important to remember that all vehicles have to be insured unless they are registered as off the road (SORN) with the DVLA. So if you own a vehicle but only use it infrequently, you can’t just opt for temporary insurance. Instead, look for a cheap deal by asking your insurance broker to look for a limited mileage policy that will reflect the lower annual use.

A family-run business working hard to help your family to get the best value insurance

Our expert team at Park Insurance has over 30 years experience negotiating great value insurance with no surprises in the small print. Our specialist knowledge helps us to find the right temporary car insurance policy for your needs. And our position as ‘preferred brokers’ for some of the UK’s biggest insurance companies means we can bargain hard on your behalf. We’ll compare quotes to save you ringing around, and make sure that the cover you take out really is a good value deal. For your free quote on temporary insurance for young drivers or short-term cover for learner drivers, call us on 0117 955 6835 or get in touch today.