Compare Temporary Car Insurance for Young or New Drivers
Compare temporary car insurance for new and young drivers under 21 from leading insurers
Why compare temporary car insurance for new and young drivers at MultiQuoteTime?
MultiQuoteTime understands the hassle and stress of finding and comparing temporary car insurance quotes if you are a newly qualified driver or a young driver, with many insurance companies refusing to even provide quotes as they see you as too high risk!
If you are a newly qualified driver or a young driver searching for temporary car insurance, you’ve come to the right place. MultiQuoteTime’s partnership with GoShorty Insurance allows you to compare multiple temporary insurance providers online and purchase instant cover.
Temporary One Day Car Insurance under 19 – 75
If you are young, getting short term car insurance can be a struggle. The good news is that more providers of car insurance for under 21’s are entering the market, giving you more choice. The leaders in this field include Tempcover, Go Shorty and Day Insure.
Even some of these specialists in short term car insurance will impose age restriction that rule out young or student drivers. The reason is that young, inexperienced drivers statistically pose a higher risk to the insurer. Whilst young female driver pose less risk to their male counterparts, they are currently lumped together under the same risk profile. This may change, as it does seem unfair and could be challenged in court. The addition of the Black Box for young drivers has helped reduce the insurance premiums for those that are profiled as lower risk young drivers
We have partnered with GoShorty who are able to provide a comparison service for temporary car Insurance for young drivers Under 21. The process is all online, and you can choose to have instant cover or for the cover to start at a selected date and time in the future. For drivers under 21 it is important to search for and look at what options are available, GoShorty temporary car insurance is a good starting point, as they compare several providers of under 21 car insurance in the UK and NI.
- Fully comprehensive cover
- 1 hour to 28 days flexible cover
- Low Excess
- Drivers aged 19 to 75
Why Young Drivers Might Need Temporary Car Insurance
Some companies will reward young or student drivers that can reduce their risk to the insurance company by taking some or all of the following steps.
- You have bought your first car and need to drive it home
- You wish to borrow a car for one day, but do not wish to put the owner’s no claim’s history at risk.
- Planned a day trip in a borrowed car.
MultiQuoteTime shares tips on how young or new drivers can save money on temporary car insurance
Some companies will reward young or student drivers that can reduce their risk to the insurance company by taking some or all of the following steps.
Black Box
The black box is a simple way to help reduce the cost of car insurance for new drivers. Drive carefully, and the data will help lower the cost of cover come renewal time. If you are indeed a high-risk driver, expect an increase in your premium come renewal time
Insurance group
This has a big impact if you are a new or young driver and purchase a sports car. Expect to pay a higher premium than if you had purchased a car in a lower insurance bracket.
Driving Skills
Taking an advanced driving course is seen in a positive light by some insurance providers and, in the long run, should help you maintain a good history of no claims, helping to reduce the future cost of car insurance.
Excess
Show that you are taking some of the risk by increasing the basic excess and volunteering to increase this amount in return for a cheaper insurance quote. Make sure you are able to afford what you agree to.
Parking Safe
When the car is not being used, are you able to prove safe parking, either in a driveway or, better still, a locked garage? Reducing the risk of theft by increasing deterrents will help lower the costs of new driver insurance.
Mods
Any changes made after the vehicle leaves the factory are considered modifications, and these can increase the cost of insurance. They must be declared when requesting insurance quotes. For example, remapping the engine will increase insurance costs, and for young drivers, some insurance providers may not even provide a quote
Young Driver Insurance options
Until you have gained experience and built up a history of no claims, you will pay a higher premium to drivers that are over 25 with a good driving record. If the cost of insurance is too high, one option is asking to be added to your parent’s insurance policy. The downside is that you will not be building up your own no claim’s history, and the price of your parent’s premium will likely increase. Some insurance companies will not even offer insurance for sports cars or campervans to those under 25.
How much is Temporary Car Insurance for under 21’s?
The cost will depend on a number of factors, key factors include the duration of the insurance, the vehicle being covered and the driver’s risk profile. If you are under 21 or even under 25 you will fall into a higher risk profile than drivers over 25. The prices in the table below are based on the lowest sold prices by Goshorty over the period 07/22 to 07/23, expect to pay more, being a young driver with less driving experience
Temporary Car Insurance From:
| Policy Duration | Starting Price |
|---|---|
| 1 hour | From £16.98 |
| 2 hours | From £16.98 |
| 3 hours | From £17.12 |
| 4 hours | From £16.53 |
| 1 day | From £20.44 |
| 2 days | From £21.27 |
| 3 days | From £30.97 |
| 4 days | From £32.57 |
| 1 week | From £42.02 |
| 2 weeks | From £45.44 |
How to compare new or young driver at MultiQuoteTime.co.uk
In order to get an instant quote with Goshorty be sure to have the following information available during the quote process.
When comparing young driver short term insurance, check the excess
The excess is the amount you would be liable for in the event of a claim. This is set by the insurance provider and can vary between companies. When comparing quotes, be sure to check the actual excess amount, as a cheaper quote may come with a high excess
Temporary Car Insurance FAQ’s
Temporary Car Insurance Providers
MultiQuoteTime have partnered with GoShorty to help you obtain Temporary Car Insurance. GoShorty is a trading style of Complex to Clear Group Limited registered in England and Wales and authorised and regulated by the Financial Conduct Authority (FRN.751221). Company Registration Number 05044963. Data Protection Registration ZA456686.
- Updated: 27 March 2025
- Reviewed by Eamonn Turley Insurance Expert