Temporary car insurance for students

Policies from 1 hour, perfect for car sharing

[Temporary car insurance](https://www.cuvva.com/car-insurance/temporary) for students is a flexible alternative to owning your own car and insuring it annually - and it's potentially a lot cheaper. Perfect for sharing a car with a housemate or borrowing your mum’s when you’re visiting home.

9 million+ policies sold
2 million+ cars insured
2.5 million+ app downloads
purple car driving past phone

What is temporary car insurance for students?

Student life can be hectic so it’s important to be flexible - and that’s where temporary policies come in. They’re perfect for getting insured on a car only when you need to drive - without blowing your student loan on owning a car with an annual policy.

You can use temporary policies from 1 hour to 28 days to borrow a friend or housemate’s car if you only need it for a little while - or to drive a family member’s car when you’re back home for the Christmas holidays without the tedious and costly process of being added as a [named driver](https://www.cuvva.com/how-insurance-works/named-driver).

phone screenshot with car insurance cover

How much does temporary car insurance for students cost?

It depends on a few things: how long your policy will last, the car you’re insuring, and your age, driving history, address and other factors.

But as a rough estimate, here are some quick average prices for students on a Cuvva policy. The average student will pay £19.07 for [1 hour’s insurance](https://www.cuvva.com/car-insurance/temporary/1-hour) and £45.98 for [1 day’s insurance](https://www.cuvva.com/car-insurance/temporary/1-day).

phone screenshot showing policy lengths

Temporary insurance vs. being a named driver

Rather than taking out a temporary policy whenever they want to drive someone’s car, a student could get added as a named driver on someone else’s annual policy. This could be a good option if they drive a lot, but if they’re an infrequent driver it might not be the best bet. Students are often younger, newer drivers - so annual policies can be more expensive than when you’re more experienced. As well as this, it means they can only drive one car, plus the car owner’s own policy and no claims bonus is at risk if something happens.

With temporary cover, however, the student can borrow different cars by taking out ultra-flexible, short term policies on them whenever they need to. They won’t be shelling out while the car is parked up and not in use. Plus, they’ll have their own standalone policy, so the owner’s policy and no claims bonus will be protected - which makes it much easier to find a kind housemate or friend to lend you their car!

The ins and outs

How temporary car insurance works

Flexibility
Flexibility
Buy a policy in minutes
Extend instantly if you need more time
Policies from 1 hour, perfect for car sharing, all sorted via the app
Policy docs sent to your phone
No deposits, interest, tie-ins or credit checks
Peace of mind
Peace of mind
Fully comprehensive cover
Highest category of insurance available
Car owner's no claims bonus is protected
Cover for damage to the vehicle, damage to other people’s vehicles, personal injury plus more
[Breakdown cover](https://support.cuvva.com/en/articles/8167008-breakdown-cover)
Insurance for all
Insurance for all
[Learner driver insurance](https://www.cuvva.com/car-insurance/learner-driver) to nail those manoeuvres
[Temporary van cover](https://www.cuvva.com/car-insurance/temporary-van-insurance) to lighten the load
[Test drive insurance](https://www.cuvva.com/car-insurance/temporary/test-drive) before you buy
[Drive away insurance](https://www.cuvva.com/car-insurance/temporary/drive-away) for new cars
[Borrow a car](https://www.cuvva.com/car-sharing/borrow-a-car) or [lend out your own](https://www.cuvva.com/car-sharing/lend-a-car)

FAQs

Is temporary student car insurance legit?
Yep, totally. Cuvva’s temporary policies are treated exactly the same as traditional insurance - they’re fully comprehensive and show up on the Motor Insurance Database. Plus, Cuvva is FCA-regulated (our number is 690273) and so far we’ve sold 9m+ policies. That’s a lot of drivers!

Other types of temporary insurance

Young driver insurance
Young driver insurance
Traditional annual car insurance can often be eye-wateringly expensive for younger drivers. Young driver temporary insurance could help infrequent drivers save a lot of money.
1 hour insurance
1 hour insurance
Need to borrow a car for an errand, or want to split a long drive with a friend? 1 hour insurance is perfect for this, and you can easily extend your policy instantly in the app if you need more time.
Learner driver insurance
Learner driver insurance
Learning to drive but don’t want to shell out to get added as a named driver on your parent’s annual policy? Use learner driver insurance to hit the road only when you need to - so you can save some money as you practise those pesky manoeuvres.

What's included, and eligibility criteria

What you’re protected against
Damage to your vehicle up to £40k
Damage to third party property up to £2m
Your legal liability to other people arising from an accident
Attempted theft
[Theft](https://www.cuvva.com/how-insurance-works/stolen-cars)
Fire damage
[Carriage of own goods](https://support.cuvva.com/en/articles/89933-can-i-use-cuvva-cover-for-my-business) business use - for vans as well as cars
Up to £400 for after-fit audio equipment and £100 for your things
Driving after 10pm
Who is eligible for temp cover
For full licence holders, you’ll need to be aged 19-70 to use Cuvva. If you’re under 21, you’ll need to have held your licence for at least 1 year
If you’re a provisional licence holder you’ll need to be aged 17 - 40 and not have held your licence for over 5 years
A GB licence holder (that means issued in England, Scotland or Wales)
There’s not a fixed number of accidents, [claims](https://www.cuvva.com/how-insurance-works/car-insurance-claims-explained) or [licence points](https://support.cuvva.com/en/articles/2614434-how-licence-points-affect-your-car-insurance) that would stop you from insuring with us
Your car or van must
Be under 20 years old
Cars need to be worth less than £60,000
Vans/commercial vehicles must be worth less than £40,000
Meet our modification rules. We accept lots, including any to aid a disability, but there are some we can't insure
Meet our insurance group requirements
Not be scrapped or [impounded](https://support.cuvva.com/en/articles/5904217-impounded-vehicles) temporarily
Not be a company car, a hire car or a vehicle on a fleet policy

How to get temporary car insurance for students fast

Get insured and on the road in less than 5 minutes.

1
Get started on the app
It just takes a few clicks
2
Find your car
Enter your registration plate
3
Check your cover and pay
Get cover from as little as 1 hour up to 28 days
4
Extend whenever you need
If you need more time than you thought

Any questions?

Forget automated replies and chatbots! Our customer support team is made up of real people - get a response in minutes. We’re on hand between 9am to 9pm every single day. If you have any questions about our short-term car insurance, let’s have a chat.

customer support staff smiling