Temporary Car Insurance for 18-Year-Olds


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By Cai Bradley

on Friday 11 October 2019


Young woman driving car with friend in passenger seat

Whether you’re a student home from university for summer, or a newly qualified driver borrowing your parents’ car until you buy your own, temporary car insurance for 18 year olds can be handy – but it comes at a cost.

This guide explains how temporary car insurance for 18 year olds can be beneficial, how you can reduce the cost of your cover, and where to find the best short-term and learner driver protection.

What is temporary car insurance for 18 year olds?

Temporary car insurance is type of cover that protects drivers over short-term periods, usually a day, week or month. It’s often a cheaper alternative to making permanent amendments to any existing policies and can suit people under a variety circumstances.

Most specialist short term car insurance providers enforce a maximum coverage of around 28 days, while others offer extended cover of around three to six months.

Unfortunately for those aged 18 and under, the majority of providers in the UK will be unwilling to cover you unless you have held your licence for 12 months or more. The cost of temporary car insurance for young drivers – including 18 year olds – is usually a lot higher than any other age category, due to two key factors:

  • A lack of experience

  • Industry statistics suggesting that young drivers are more likely to be involved in an accident and make a claim

The factors listed above give car insurance providers reason to believe that young drivers are a higher risk to cover than any other age category, which therefore leads to higher premiums.

To find out how much temporary car insurance would cost for you specifically, simply tap the button below and receive your quote within a matter of seconds.

Why would young drivers need temp car insurance?

Young drivers might need temporary car insurance for a variety of reasons, including:

  • Students that want to use their parents’ car while they’re home from university for a few months.

  • For long journeys where you may want to share the driving responsibilities with a friend or family member (to a festival or weekend away).

  • Temporarily sharing a parent’s car while you look to buy your own.

  • Learner drivers using their parents’ car outside of lessons – specialist learner driver insurance is available using the link below.

How to get cheaper car insurance for young drivers

Although 18 year olds and young drivers might be worse off than most other age groups when it comes to the cost of car insurance premiums, there are still ways that you can reduce the amount you pay and minimise the financial burden of taking out cover.

Drive a sensible car

Try not to drive a car with a hugely powerful engine – it only increases your likelihood of speeding and insurers will inevitably see this as an increased risk.

The make and model of your vehicle is taken into account when providers calculate your car insurance cost, as are car modifications; things as insignificant as football stickers could void your insurance, so be careful!

Increase the excess

As a rule of thumb, the higher you set your voluntary excess, the lower your premiums will be.

But, remember that you should only set your car insurance excess to an amount that you would be able to comfortably afford should you ever need to claim – setting it too high and not being able to pay the excess could place you in an even more difficult position than you are already in.

Get a suitable amount of cover

Always take out a level of cover that will protect you for all eventualities, but be sure to opt out of any optional extras that you don’t necessarily need. They can be expensive and, quite frankly, a few of them will be of no use to you.

Shop around – Compare temporary car insurance quotes

You must compare car insurance quotes from as many providers as possible, starting with Insure Daily, Insure 4 A Day, and Insure Learner Driver; you can get a quote in seconds, so it really doesn’t take much effort at all on your part.

Cheap temporary car insurance for 18 year olds

So, how do you get the cheapest temporary car insurance for you?

Firstly, if you haven’t passed your test, Insure Learner Driver is one the best and cheapest providers of learner car insurance, and what’s more, there are no age restrictions. Simply tap the button below to get your quote and take out cover today!

The best temporary car insurance providers are Insure 4 A Day and Insure Daily – but both include age restrictions as standard and those under 18 may struggle to get cover.

If you are struggling to find temporary car insurance for under 18 year olds, there are alternatives, including being added as a named driver to someone else’s policy if you are not the main user of the vehicle.

Just be wary that you are not guilty of car insurance fronting, which is considered fraud and could void your insurance if ever you need to make a claim.

Related articles:

Complete Guide to Temporary Car Insurance

One Day Car Insurance

One Month Car Insurance


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