Temporary insurance for cars

This depends on the type of driving licence you have:

Provisional licence

If you’re aged between 17 and 25 with a provisional licence you can get cover to practise driving in your own car.

If you’ve got a provisional licence and want to drive someone else’s car you need to be aged between 17 and 30 to get cover.

Whether you’re driving your own car or someone else’s, your licence must be valid. When you’re driving, you’ll also need to be accompanied by someone aged over 21 who has held a full driving licence for at least three years.

Full licence

If you’ve passed your test and have held a valid full UK licence for at least 6 months, you need to be aged between 18 and 75 to get a policy.

You can get a quote and buy online in just a few minutes. Documents are instantly emailed to you so you’re ready to go as soon as your cover starts.

Simply put, it doesn’t. As long as the details you provide are correct and you’re driving within the arranged policy start and end date, any accidents that happen are covered by the temporary policy.

No. As long as you have the car owner’s permission, you’re good to go.

Exact restrictions can vary between insurers. Generally, to be a driver you must confirm you:

• Haven’t been disqualified from driving or had your licence cancelled
• Have never been refused insurance or had a policy cancelled or voided
• Have no criminal convictions or pending prosecutions
• Have had no more than 2 accidents, claims or losses in the last 3 years regardless of blame

You also need to confirm the car:

• Has a valid MOT, isn’t declared as SORN and hasn’t been seized by the police
• Isn’t a horsebox, licensed taxi or minicab, lorry, minibus, recovery vehicle, refrigerated or a tipper
• Will be used for social domestic and pleasure use only, including commuting and personal business use only

To get a quote we need to know:

• When you want the cover to start (time and date)
• The reason for cover – is it to borrow a car, take a test drive or something else?
• The vehicle reg no. or if you don’t know that, the make and model
• Details of the driver – date of birth, postcode, type of driving licence and how long you’ve held the licence
• How long you want cover for (the minimum is 1 day and the maximum is 84)
• How much excess you want on the policy

You can get cover for cars and vans.

Policies cover you to use your vehicle for social, domestic, commuting to and from a permanent place of work and personal business use only.

Yes, but you must have passed your driving test at least 6 months ago, have held a full licence for the same amount of time and be aged between 18 and 75.