Emergency car insurance: how to get short-term cover at the last minute

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Emergency vehicle insurance

Pass rate by age

Unlike gender, things are way more varied when it comes to age.

Perhaps surprisingly, given the high premium rates they receive, the youngest drivers have the highest pass rates.

For the period of April 2020 to March 2021, in-between all that COVID-19 self-isolating and those endless Zoom quizzes, 437,352 tests were carried out.

The youngest age group was also the age group with the highest pass rate: those aged 17 years and under passed an incredible 63.5% of the time.

Tests involving those aged 18 were also passed a majority of the time, with a 53.7% success rate. The kids are alright!

The trend continued with those aged 19, 20, 21, 22, 23, 24 and 25. While a majority of those age groups narrowly failed, these applicant demographics all saw at least 48% of tests pass.

As the age groups rose, however, the pass rate continued to drop. Those aged 26, 27 and 28 are the last group with a pass rate of at least 45%, while 37 is the cut-off for a pass rate of 40%. From there, it gets lower and lower.

No age group in the 40s has a pass rate of more than 37.9%, no age group in the 50s has a pass rate of more than 35.5%. Over the age of 60, the pass rate drops to 32.7%.

So, in simple terms: the younger you are, the more likely you are to pass.

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How to get emergency car insurance

If you need to get temporary car insurance in an emergency, you can head straight to an insurer’s website or app.

It should be really easy to apply for the insurance, you’ll just need to fill out a few details about you and the car you want to drive.

Cheeky self-promo 👉 The Cuvva app lets you sort short-term cover in minutes and you can manage everything from your phone, like extending your insurance if you need to.

Whoever you’re getting a quote off, you’ll likely need to give this information:

  • Your full name and date of birth
  • Your phone number, address, and email address
  • Your job
  • The registration number of the car you want to drive

There’ll be some criteria you have to meet to get the insurance, too (just like with normal car insurance). Like:

  • Having a full UK driving licence
  • Having had your driving licence for at least a year
  • Being a certain age (for example, between 19-65)
  • Not having more than a certain number of points on your licence
  • Not having had any driving convictions in the past two years (or a different time frame)
Emergency car insurance can help you out in a tricky situation
Emergency car insurance can help you out in a tricky situation
How to make a claim
Has the worst happened? Here's what to do next. Learn more.

Are you allowed to drive uninsured in an emergency?

No, there’s never a time when you can legally drive without car insurance – unless the only place you’ll be driving is on a private road with no public access.

This might seem unfair if the situation is really urgent 😔 – but there are no allowances for emergencies.

If you get caught driving without at least third-party insurance, you could get a fixed fine of £300 and 6 points on your licence.

Or, if the case goes to court, you could get disqualified from driving and also get an unlimited fine.

(A case would go to court if you didn’t accept the fixed fine and points. It would also go to court if the 6 points took your points level up to 12 points or more.)

Can you get instant car insurance?

Yep – you can get temporary car insurance that starts straight away. One of the main ideas behind short-term car insurance is that it can be used in emergencies when time is of the essence.

As soon as you’ve bought your insurance you can get on the road immediately, knowing you’re covered.

Need to borrow a friend’s car quickly? Emergency car insurance can help
Need to borrow a friend’s car quickly? Emergency car insurance can help

How much does emergency car insurance cost?

Just like normal car insurance, emergency car insurance varies in price from company to company. Plus, any price you get will be based on your unique situation.

Insurers work out their prices by looking at lots of different things, like your age, the car you want to drive, where you plan on driving it, and even your job.

It’s all about working out how ‘risky’ you are to insure by looking at how many claims people ‘like you’ make. Here’s what 1 hour of emergency cover might cost

To give you a rough idea about emergency car insurance costs, here are Cuvva’s most-popular 1 hour car insurance policy prices:

  • Volkswagen Golf - £13.34
  • Vauxhall Astra - £12.31
  • Vauxhall Corsa - £11.76
  • Ford Fiesta - £11.38
  • Ford Focus - £12.04

Average pass rate in Great Britain

First up, the headline stat: the average pass rate for the practical driving test in Great Britain.

During the final three months of 2021, 419,742 driving tests were completed in the country. That’a a lot of L stickers and ‘good luck!’ texts! Of those, 48.1% were successful - meaning more tests were failed than passed.

For the current period of 2021/2022 (why driving data is grouped by financial year, we’ll never know! 🤷‍♂️), the pass rate is a little higher, at 49.6%.

That’s a lot of numbers! But the main takeaway here is that, no matter how annoyed you might feel after failing your test, you’re in the majority. More tests are failed than passed.

Passing your driving test feels great
Passing your driving test feels great

Wait… what’s emergency vehicle insurance? 🤔

Well, it might sound like emergency insurance but emergency vehicle insurance is something completely different.

Emergency vehicle insurance is insurance for actual emergency vehicles – like ambulances.

This is worth noting because sometimes when you search for emergency car insurance online you might get some results for emergency vehicle insurance thrown up. Which is definitely not what you need if you’re looking to insure a car in an emergency!

If you need normal emergency insurance, you can get a quote in just minutes.

Updated on 16th August 2022