Temporary car insurance for young drivers
Fully comprehensive cover from 1 hour. For young drivers under 21 who only need to get behind the wheel occasionally, borrowing a car with temporary insurance could be a game-changer compared to a traditional annual policy.
10 million+ policies sold
2 million+ cars insured
Can young drivers get temporary insurance?
For young drivers in the UK, temporary car insurance could be a great choice, particularly for those who don’t drive every day, want to borrow someone’s car without impacting the owner’s no claims bonus, or are [driving away](https://www.cuvva.com/car-insurance/temporary/drive-away) a newly bought car.
You could even save a lot of money compared to owning a car and buying an annual policy. While the hourly or daily cost might look higher, it could work out cheaper overall for infrequent drivers because you're only buying insurance when you need to hit the road.
To be eligible for a Cuvva policy, drivers must have held a valid full driving licence for a minimum of a year. If you don’t have your full licence yet, you can get covered up to 6 hours a day with temporary [learner driver insurance](https://www.cuvva.com/car-insurance/learner-driver) if you’re aged between 17 and 40.
Is young driver temporary insurance legal?
Yes, it's completely legal! Cuvva's temporary policies are completely legit and fully comprehensive. They're great for borrowing someone's car or insuring your own for a while as you look for suitable longer-term cover.
Just make sure the car owner isn't breaking the Continuous Insurance Enforcement (CIE) law, which requires cars to be continuously insured. For example, you can't insure a car for an hour and then leave it uninsured the rest of the time, even if it's on the driveway or in a garage.
How much does it cost for 18, 19 and 20+ year olds?
While the exact cost of temporary car insurance varies for young drivers, it's helpful to have a ballpark figure. On average, drivers under 20 years old can expect to pay around £32 for a 3 hour policy with Cuvva, while those aged 20-24 pay slightly less at £23.35 on average for the same duration. However, it's important to remember that these are just averages, and your individual cost can be influenced by several factors. These include your age and driving experience, the type of car you'll be driving, the level of coverage you select, and the duration of your temporary insurance.
If you’re planning on driving every day, and have decided temporary cover isn’t for you, you can still [save money](https://www.cuvva.com/how-insurance-works/insuring-young-drivers) and reduce your premium as a named driver on someone else’s annual policy.
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 usually need to be aged 19-70 to use Cuvva, and have held your licence for over a year
If you’re a provisional licence holder you’ll need to be aged 17-50 and not have held your licence for over 15 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
The ins and outs
How temporary car insurance works
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
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
[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)
How to get temporary car insurance for young drivers 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
When can young driver insurance come in handy?
Emergencies happen
Imagine your sibling needs to go to the hospital, and your parents are away - or your friend breaks down and you need to go and help. Short-term, affordable temporary insurance for young drivers means you can hop in the car in minutes.
Borrowing a friend's car
Road trip time? Get insured for the trip and share the driving, even if you're a learner. You’ll be covered by your own standalone policy, and their no claims bonus will be safe too. If you’re a student, temporary young driver insurance is also a good solution for housemates looking to share driving responsibilities. Whether it's popping to the shops for essentials, heading to a group study session, or playing a match at another uni or college. Just make sure the car has an underlying policy when it’s not being used.
Test driving a car, or in-between policies
Try out a new car with confidence, knowing you're covered with temporary car or van insurance for under 21s if anything unexpected happens. Don’t just rely on the dealership’s own insurance, as this can sometimes be limited. Plus, once you’ve bought the car, temporary cover provides the perfect solution while you figure out longer-term insurance options, ensuring you're always protected on the road.
Any questions?
Got a question? Our tireless customer support team is on hand every single day of the year, between 9am and 9pm. Let's have a chat.
Want to know some more?
Insuring a parent's car
How young drivers can save on car insurance by either being added as a named driver on a more experienced driver's policy or opting for temporary learner insurance. We cover the pros and cons of each approach, including the potential for savings and the limitations.
The cheapest cars for new drivers
We outline the ten best economical cars for new drivers, focusing on affordability both in purchase and insurance costs. It considers factors like insurance group classifications, which are influenced by engine size, safety features, and repair ease.
Learner driver insurance
We break down why car insurance can be more affordable with a provisional licence. Plus learn some strategies to reduce premiums for learner drivers, such as adding a named experienced driver to the policy, choosing a less powerful car, and installing security features.