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Temp Under 21 Car Insurance

1 hour to 4 weeks

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Temp Under 21 Car Insurance

1 hour to 4 weeks

Tell us your details: get a quote for temporary car insurance instantly.

About the car you want to temporarily insure.

Vehicle Registration Logo
Don’t know the reg? Click here.

Get quotes, buy online and be on your way in less than 2 minutes!

Get instant online cover from 1 hour to 28 days, in three quick & easy steps


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Just pay online & you are instantly insured!

The Best Temporary Insurance for Young Drivers

GoShorty offers temporary car insurance for anyone aged 19+. We understand that it can be difficult to find affordable insurance when you’re under 21, and even harder to afford insurance on top of buying your own car. Temporary insurance for young drivers is the answer to your problems.

Temporary insurance offers young drivers the chance to get short term cover, from one hour to 28 days, on someone else’s car without affecting their No Claims Discount. We’ll help you find temporary student car insurance too.

Get approved in minutes and drive instantly. You’re good to drive away as soon as the email drops in your inbox.

  • Fully comprehensive cover
  • 1 hour to 28 days flexible cover
  • Low Excess
  • Drivers aged 19 to 75
  • Maximum car value is £65,000
  • Protect the car owner’s No Claims Discount

What is Temporary Insurance for Young Drivers?

Temporary car insurance offers young drivers an affordable way to get behind the wheel. It’s a method of insuring a driver on a car for a short period of time, rather than a lengthy annual policy. Use it to drive a family member’s car for a couple of hours or join in on your friend’s road trips. Without being tied into long annual policies, you can drive as and when you need to, so you aren’t spending money on a policy all year round. 

Don’t have your licence yet but wanting to get some extra practice in before taking your practical test? Check out our range of affordable learner driver insurance policies for anyone aged between 17 and 74 years old.

How Much Does Car Insurance for Young Drivers Cost?

Young drivers typically find it difficult to get insurance at price points that are affordable. This is because they tend to have less driving experience under their belts and, as such, are deemed as being at a higher risk of being involved in an accident by insurers. Fortunately, temporary insurance is available and provides drivers aged under 21-years-old with a much more cost-effective way of getting cover. 

The cost of a short-term insurance policy for anyone aged between 19 and 21 will depend on several factors including:

  • Your age and location
  • How long you’ve held your licence for
  • Your driving history
  • The vehicle you want to insure

At GoShorty, we insure young drivers aged between 19 and 21 years old and can help you compare temporary insurance quotes to make sure you’re getting the best deal. 

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When Does Short Term Car Insurance Come in Handy for Young Drivers?

So, when do young drivers need temporary car insurance? If you’re under the age of 21, there are still loads of instances in which having access to a car will be a game-changer. Here are some of the situations where having short-term cover in place can help.

Emergencies: Sometimes the unexpected happens and we need to jump into the driver’s seat in emergency situations. It could be due to illness or injury, but by taking out your own policy as an additional driver, you’ll get temporary cover in minutes, which will put you back in control and on your way to saving the day.

Borrowing a Friend or Family Members Car: Get comprehensive insurance for when you want to borrow a vehicle from family or friends. Whether you’re staying with them for a few days and car sharing whilst they’re away on holiday, having a fully-comprehensive policy in place will protect you, the vehicle, and the owner’s no claims bonus.

If your a student borrowing a car to drive yourself and your mates to or from university, you’ll want to take out temporary insurance. Whether you’re doing the trip in a single afternoon or want to take a few days to get everything home, you can get a short-term insurance policy for the specific length of time you need, meaning you won’t end up paying any more than is absolutely necessary.

Holidays and road trips: Want to spend your summer driving around the UK on holiday with your mates? Temporary insurance can make this a reality. You can take out cover for a single weekend or for a period of several weeks, making it as easy as 1-2-3 for you and your friends to get on your way.

Can I Get Temporary Young Driver Car Insurance – Am I Eligible?

Here at GoShorty, we’re the experts at providing flexible, affordable short-term insurance policies for young drivers. We insure the majority of young drivers aged between 19 and 21 years old and can help you compare insurance quotes to make sure you’re getting the best deal. 

Like all insurers, though, we don’t offer short-term cover for all young people as there are certain criteria that need to be met. You’ll need to have a full UK driving licence, permission from the owner of the vehicle and to have passed your test at least 6 months ago. Our eligibility criteria for getting cover includes:

MID: Please note that all our Short Term Insurance policies are submitted to the Motor Insurance Database (MID) at midnight every day. We recommend always having a copy of your Insurance Certificate with you during the period of cover.


  • Cars and Commercial Vehicles (up to 3.5 tonnes)
  • Minimum value Cars and Vans: £1* subject to age restrictions
  • Maximum value Cars: £65,000
  • Maximum value Vans: £65,000
  • Social, Domestic and Pleasure or Social, Domestic and Pleasure + Commercial use only – usage will be restricted to social domestic and pleasure purposes, which includes commuting and personal business use only
  • Vehicle must be registered in the UK
  • Foreign use is not permitted
  • Not for exporting – journeys must start and end in the UK
  • Is not imported or left-hand drive and not modified (factory fitted extras or modifications for a disabled driver or passenger, or LPG conversions are acceptable).
  • Has no more than 7 seats and is not a rental or hire vehicle (if commercial – no more than 5 seats)
  • Must not be modified. LPG conversions and Disabled Modified are acceptable
  • Have a valid MOT (if required), is NOT declared as SORN (off-road) with DVLA and has NOT been seized by the police.
  • Not to be used for impounded or seized vehicles (unless specified as impounded cover)
  • Not to be used for any form of motor racing, pacemaking, track days, motor trade usage or hire and reward
  • Not for carrying hazardous goods or use at a hazardous location
  • There is no cover under this policy for vehicles which are insured, owned by, operated by, supplied by, hired or rented from any Claims, Credit hire or Accident Management Company.


  • Private Car – driver aged 19 to 75
  • Commercial Vehicle – driver aged 21 to 75
  • Has a current permanent address as stated throughout this application (please note you may be asked to provide proof of residence in the event of a claim)
  • Has not ever been refused insurance, had a policy cancelled or voided
  • No driving ban in the last 60 months
  • No conviction for any criminal offence or any possible prosecution pending

Young Driver Temporary Insurance FAQs

Can you get temporary car insurance for 17 year olds?

If you’re 17 years old, then the only GoShorty insurance policy you’ll be able to take out is one of our learner driver policies. These are designed for anyone aged between 17 and 25 years old who has not yet passed their driving test, but wants to do lessons in a private vehicle or get some extra practice in before their test. We’ve created a more detailed guide specifically aimed at car insurance for 17-year-olds.

Can you get temporary car insurance for 18 year olds?

Currently, the youngest age we can insure on temporary car insurance is 19.

Can you get temporary car insurance for 19 year olds?

Yes, as long as you have held a full UK driving licence for at least 6 months prior to applying for temporary car insurance, you’ll be able to benefit from one of our short-term policies. We offer temporary cover for 19-year-olds in flexible durations to suit you, meaning you can take out comprehensive car insurance without paying any more than necessary.

Can under 21s get temporary car insurance?

Yes, the majority of young drivers under the age of 21 but above the age of 18 can get temporary car insurance. As with all insurance policies, there are certain eligibility criteria which must be met, and it’s a requirement that you hold a full UK driving licence and have been driving for at least 6 months. Still looking to pass your test? GoShorty specialises in driving practice insurance.

Is car insurance more expensive for younger drivers?

Car insurance can be expensive, especially for young drivers. Their lack of experience behind the wheel means that their annual policies can be very expensive. Long-term policies often require you to pay out a large sum in one transaction which isn’t always possible. Short-term insurance policies can minimise these costs. They allow you to spread out the cost and only pay for when you need to be insured.

Is multi-car insurance cheaper for younger drivers?

Multi car insurance can be an affordable option for young drivers. Combining multiple cars into one policy can be a great alternative to forking our large sums of cash for each individual policy. Sharing a policy with a parent or guardian, is a great way for young drivers to show their responsible nature and dramatically lower their costs.

What are the cheapest cars to insure for young drivers?

As a general rule, vehicles with larger engines are more expensive to insure. This is because their high-power engines are seen as more high risk due to the potential they have to cause serious accidents. Smaller cars with smaller engines are usually cheaper as they are considered safer to drive. This isn’t always a hard-and-fast rule, but GoShorty’s quote engine will automatically take your vehicle model into account when generating your price.

Do young drivers have to have a black box?

No, black boxes are not a legal requirement. However, young drivers may choose to install one if they want to lower their insurance rates. A black box reviews your driving habits, so, if you’re a careful driver you could make good savings. However, if you have a few bad driving habits or present a higher risk, you may choose to go without one.

Not found the answer you’re looking for? Either get in touch or checkout our other FAQs

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