Temporary Insurance For New Drivers
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Why Compare Temp Car Insurance For New Drivers At SimplyQuote?
Temporary car insurance for new drivers helps you stay fully covered without committing to a long-term policy, and comparing quotes ensures you don’t overpay for short-term protection.
At SimplyQuote, we’ve partnered with GoShorty to make it simple for newly qualified drivers to find affordable, flexible insurance in minutes.
New drivers often face higher premiums because of limited driving experience and a lack of no-claims history. Temporary cover provides an alternative — letting you insure yourself for a few hours or days while borrowing a parent’s car, test-driving a new one, or driving home a recent purchase.
By comparing multiple insurers through SimplyQuote, you can instantly see which policies best suit your needs and budget. The process is quick, transparent, and designed for those who are new to the road and need cover on demand.
You’ll get access to real-time quotes, flexible durations, and the reassurance that every policy meets UK legal standards. It’s short-term cover that gives you full control, without the pressure of long-term costs or commitments.
Why Do I Need To Get A Quote?
To get a temporary car insurance quote as a new driver, you’ll need to provide basic details about yourself, your licence, and the vehicle you want to drive.
Accuracy matters, as even small errors can affect whether you qualify for cover or receive the right price.
Temporary insurers need to assess your experience and driving risk quickly. That means confirming your eligibility based on age, licence type, and how long you’ve held it. For most policies, you’ll need to be at least 17 years old and have held a full UK licence for at least six months, although some insurers may accept newly qualified drivers sooner.
Here’s what you’ll typically need:
- Your details: Full name, address, date of birth, and type of driving licence (UK, EU, or international).
- Driving history: When you passed your test, and any claims, penalty points, or driving bans within the last five years.
- Vehicle information: Registration number, make, model, year, and where the car will be parked overnight.
- Cover details: How long you need cover for (anywhere from one hour to 28 days) and the intended use — for example, social driving, commuting, or borrowing a family car.
Most new drivers can get a quote online in just a few minutes without uploading documents. Through SimplyQuote’s partnership with GoShorty, you’ll see real-time quotes tailored to your age, vehicle, and experience, all from trusted UK insurers.
Why Do I Need Short Term Cover As A New Driver?
You need temporary car insurance as a new driver if you plan to drive a car that isn’t already insured in your name, even for a short trip.
It keeps you legal, protects the vehicle, and helps you avoid costly penalties for driving uninsured.
New drivers often need temporary cover when borrowing a parent’s or friend’s car, taking a test drive before buying, or moving a recently purchased vehicle. It’s also ideal while waiting for an annual policy to begin or when practising with supervision after passing your test.
In the UK, driving without insurance can result in a £300 fine, six penalty points, and possible vehicle seizure. Temporary cover eliminates that risk by giving you short-term protection that starts immediately and ends automatically when you no longer need it.
For new drivers, it’s also a way to build confidence behind the wheel without the expense of a full annual policy. You can get insured for a few hours or days, gain experience, and pay only for the time you actually drive.
Looking for short term car insurance? Get your quote today!
Get QuotesWhat Does Temporary Car Insurance For New Drivers Cover Include?
Temporary car insurance for new drivers includes comprehensive protection against damage, theft, and third-party claims, giving you the same core benefits as a standard annual policy.
It’s designed to keep you safe and legal while building confidence behind the wheel.
Every policy arranged through SimplyQuote provides clear, straightforward cover that suits new drivers who need flexibility. Whether you’re borrowing a family car or test-driving before buying, you’ll have the peace of mind that comes with full legal protection.
Typical cover includes:
- Comprehensive cover: Pays for repairs to your vehicle and others if you’re involved in an accident.
- Third-party liability: Covers injury or property damage caused to other people.
- Fire and theft: Protects against theft, attempted theft, or fire-related damage.
- Accidental damage: Repairs damage caused by collisions or minor scrapes.
- Legal compliance: Ensures you meet the minimum UK insurance requirements during your chosen cover period.
Some insurers also offer optional add-ons, such as:
- Breakdown cover for roadside assistance.
- European cover for short trips abroad.
- Excess protection to reduce out-of-pocket costs if you make a claim.
Temporary policies through SimplyQuote and GoShorty give you clear cover from trusted UK insurers. You’ll know exactly what’s included before you buy — no long-term contracts, no unnecessary extras, just the protection you need when you need it.
What’s Not Included?
Temporary car insurance for new drivers won’t cover every situation, so it’s important to understand what falls outside your policy before you buy.
These exclusions are in place to keep premiums affordable and ensure cover is used for personal driving only.
Most new driver policies exclude:
- Business or paid use: You can’t use the car for delivery driving, courier work, or any job involving paid transport.
- Unroadworthy vehicles: The car must be taxed, MOT-certified, and in a roadworthy condition at the start of the policy.
- Unauthorised drivers: Only the named driver on the policy is insured to use the vehicle.
- Unlisted modifications: Cosmetic or performance upgrades that haven’t been declared may invalidate your cover.
- Mechanical failure or wear and tear: These aren’t considered insurable risks under temporary policies.
- Vehicles of excessive value or performance: Some insurers limit cover for sports cars or vehicles with high insurance group ratings.
If you’re a new driver, it’s worth checking the policy summary carefully before you buy. The exclusions are clearly listed during the comparison process, so you’ll know exactly what’s covered and what’s not.
How Much Does Temporary Car Insurance For New Drivers Cost?
Temporary car insurance for new drivers typically costs between £25 and £90 per day, depending on your age, experience, and vehicle.
Premiums are higher for new drivers because insurers view limited driving history as a greater risk, but short-term cover keeps costs manageable by only charging for the days you drive.
Several factors influence price, including your age, how long you’ve held your licence, the vehicle’s insurance group, and where it’s parked overnight. Even details such as postcode or occupation can make a difference.
Here’s an example of how prices can vary:
| Driver Profile | Vehicle Type | Duration | Estimated Cost (Fully Comp) |
|---|---|---|---|
| 18-year-old, newly passed | Ford Fiesta 1.2 | 1 day | £35–£55 |
| 19-year-old, 6 months’ experience | Vauxhall Corsa 1.4 | 2 days | £40–£65 |
| 21-year-old, 1 year’s experience | VW Polo 1.2 | 3 days | £45–£75 |
| 23-year-old, 2 years’ experience | Nissan Micra | 7 days | £50–£85 |
| 25-year-old, 3 years’ experience | Toyota Yaris | 7 days | £45–£70 |
For most new drivers, temporary cover is far cheaper than being added as a named driver on another policy or purchasing annual insurance. It also allows flexibility, letting you buy cover on-demand without long-term financial commitment.
To get an accurate price, compare live quotes at SimplyQuote.co.uk. Through our partnership with GoShorty, you’ll receive real-time offers from trusted UK insurers based on your exact age, driving history, and vehicle.
How Can I Save Money on Temporary Car Insurance As A New Driver?
You can save money on temporary car insurance as a new driver by comparing quotes, driving lower-risk vehicles, and choosing only the cover duration you need.
Small adjustments to how and when you buy insurance can make a big difference to the price you pay.
Insurers set higher premiums for new drivers because they lack experience, but not every provider prices risk the same way. Comparing through SimplyQuote helps you see which insurers offer the best rates for your age and driving history.
Here are some practical ways to keep costs down:
- Compare quotes before you buy. Prices vary between insurers, and short-term policies are priced dynamically. Comparing helps you spot the lowest live rate.
- Choose a standard car. Smaller, low-powered vehicles cost less to insure than sporty or modified ones.
- Avoid unnecessary extras. Add-ons like European cover or breakdown assistance can increase your total cost if you don’t need them.
- Park securely. Keeping the car on a driveway or in a garage can reduce premiums.
- Keep your record clean. Avoiding claims or penalty points builds a stronger insurance profile for future policies.
Because SimplyQuote partners with GoShorty, you can easily review multiple options side by side, filter by cost, and choose flexible policies that suit your plans. It’s short-term insurance designed to save new drivers both time and money.
How To Compare Temporary Car Insurance At SimplyQuote.co.uk?
Comparing temporary car insurance quotes for new drivers at SimplyQuote.co.uk takes just a few minutes and gives you real-time prices from trusted UK insurers.
You don’t need to call around or fill in multiple forms. Simply enter your details once and view tailored results instantly.
Here’s how to do it:
- Enter your personal details
Add your name, age, address, and driving licence type. Insurers use this to calculate a quote based on your profile. - Add your vehicle details
Include the registration number, make, and model, and confirm where the car will be parked overnight. The car must be taxed and roadworthy. - Choose your cover length
Select how long you need insurance for — anything from a few hours to 28 days. New drivers often start with shorter durations to suit temporary use. - Customise your cover
Decide if you’d like extras such as breakdown assistance or European cover. SimplyQuote lets you filter policies based on what you need most. - Compare and buy
You’ll instantly see quotes powered by GoShorty, each showing price, excess, and policy details. Once you’ve chosen a policy, you’ll be redirected to GoShorty’s secure site to complete your purchase.
From start to finish, the process usually takes less than five minutes. It’s quick, simple, and designed to help new drivers find the right temporary cover without overpaying.
Frequently Asked Questions
Yes. Some insurers offer short-term policies for learner drivers, though prices are higher and vehicles may be restricted to lower insurance groups.
Yes, if you’re named on the policy and have permission to drive it. It won’t affect your parents’ no-claims bonus.
Yes. You can easily arrange a new policy through SimplyQuote if you still need to drive.
No. Short-term policies don’t build a no-claims history, but they also don’t affect an existing one.
Yes. Most insurers require drivers to be at least 17 with a full UK licence, though some may set higher limits.
You can arrange learner cover, but not full temporary insurance until you’ve passed and hold a valid licence.
Not always. It’s often available as an optional add-on during the quote process.
Yes. Policies arranged through SimplyQuote and GoShorty can start immediately after purchase, giving you legal cover in minutes.
