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Temporary Car Insurance for 18-Year-Olds
Instant and flexible cover
- Comprehensive cover from 1 hour to 28 days
- Quotes in under 2 minutes
- No impact on no claims discounts
Fast, flexible temporary insurance for 18-year-olds
Due to inexperience and statistics showing how often they’re involved in accidents, young drivers often face expensive car insurance policies.
If you’re 18 years old, temporary car insurance offers ease and flexibility, as you only pay for the time you need.
Can 18-year-olds get temporary car insurance?
Yes, if you're 18, have a full driving licence and meet the acceptance criteria, we're confident you'll be able to get temporary car insurance.
When might I need temporary insurance as an 18-year-old?
Temporary car insurance could be the ideal option if you’re:
- Home from university and want to borrow your parent’s car
- Planning a road trip with mates
- Only an occasional driver
- Driving a friend’s car home in an emergency
- Temporarily sharing parent’s car when looking for your own
- Test driving your first car
- Driving your first car home
Why is temporary car insurance more expensive for an 18-year-old?
It's annoying for young drivers that insurance can be so expensive. Unfortunately, their inexperience behind the wheel means they're more likely to have an accident and make a claim
According to the road safety charity Brake, 1 in 5 drivers will crash within a year of passing their test and it’s statistics like these that insurers use to calculate your premium.
You can take some steps to make your insurance cheaper. These include choosing a less powerful car, passing advanced driving courses and making use of temporary insurance, where you only pay for the time you need.
How do I get temporary car insurance as an 18-year-old?
18-year-olds can get quotes in under 2 minutes. Just follow these 3 simple steps:
- Enter a few details about yourself and the car you want to drive
- Confirm you’re happy with the price and details of your policy
- Pay for your policy
What does temporary car insurance for 18 year olds cover?
Even as a young driver, you can get comprehensive cover as standard on all temporary car insurance policies – giving you complete peace of mind on the road.
What’s covered with short-term car insurance for 18-year-olds
- Comprehensive insurance on policies from 1 hour to 28 days
- Accidental and malicious damage to your car
- Legal liabilities for injury or damage to another person or their property
- Driving in the UK, and in some instances driving in the EU
What’s not covered with short-term car insurance for 18-year-olds
- The excess you agreed to pay
- Release from an impound (unless you buy impound insurance)
- Additional drivers – we can only cover the driver named on the policy
Each insurer on our panel has its own eligibility criteria. Please pay close attention to the Proposer’s Declaration.
Please double-check the policy wording before purchasing to confirm what is specifically covered in your policy.
Am I eligible for temporary car insurance?
If you’re 18 and looking for temporary insurance, you can find it with Tempcover.
There’s a minimal level of eligibility you must meet to get a quote.
To get temporary car insurance for 18-year-olds, you must:
- Be aged 17-77 years old.
- Have no criminal convictions.
- Not had a previous policy of insurance declared void by an insurer.
To get temporary car insurance for 18-year-olds, your car must:
- Be taxed and in a roadworthy condition with a current and valid MOT (unless you are using the insurance policy to take the vehicle to a pre-booked MOT).
- Not be a hired or rented vehicle.
- Not be modified in any way except if designed to aid disabled drivers.
- Be a right-hand drive car with no more than 8 seats.
- Not be declared SORN (unless you are using the insurance policy to take the vehicle to a pre-booked MOT).
Each insurer on our panel has its own eligibility criteria. Please pay close attention to the Proposer’s Declaration.
Please double-check the policy wording before purchasing to confirm what is specifically covered in your policy.
Customer Satisfaction
We also currently hold an ‘Excellent’ rating on Trustpilot with over 40,000 reviews.
We’ve been recognised for our work with plenty of awards
We work directly with insurers to provide you with short-term insurance to suit your needs
You can pay for your short term insurance policy in several ways. Using our secure payment system, you can use the following payment methods:
After you’ve bought your policy, your documents will be emailed to you instantly so there’s no waiting around.
The cover you need for the duration you want
Full cover, no impact
Get fully comprehensive cover on our standard short term policies - plus it won't affect your no claims discount
Hourly, daily, weekly
Choose the duration you want with 1-12 hour and 1-28 day cover available - don't pay for cover you don't need
All customised, nothing added
Customise your policy to suit your specific situation - get the policy you want and even choose the minute you want your policy to begin
