If you just got your UK driving licence or are a current learner driver, you are about to embark on an exciting time of more independence when it comes to your transportation and getting around with friends!
Being a young driver, you might not have your own car just yet, but you might be interested in test driving a potential first car or have access to a family member’s car or a friend’s car, which you are from now on allowed to drive from time to time. Or you might be a student and have that big move to your new university coming up and need to use a car for that.
Learner driver insurance or young drivers’ insurance can be very expensive, however, as they put you under a lot of scrutiny when it comes to your road safety and driving habits and put hefty insurance premiums on your insurance policy. One way to avoid paying a huge monthly amount on your car insurance is by looking for temporary car insurance policies, which will only apply for the time you are actually going on a road trip with your friends or have a temporary car at your service to drive around and get some more experience on the road.
With temporary car insurance, people between 18 and 21 can drive around without breaking the bank.
It is cheap temporary car insurance that offers a fully comprehensive cover compared to traditional insurance, which includes an annual car insurance policy.
This enables them to drive their family or friend’s car for a couple of hours on a temporary policy, rather than trying to make up for spending a lot of money on a policy all year round.
For instance, the make of your car, the year it was released on the market, the mileage it has already driven, and the car registration number.
For how long you will want to drive the car. Remember, there is a cover available from one hour all the way to four weeks, or whether you would like to put it on a pay-as-you-go mileage option.
As the driver, you will have to provide your name, date of birth, number of your UK driving licence, and address.
To calculate your temporary car insurance premium, the car insurance company will have to know whether you have been in accidents before or if any claims discount is available for you based on being claim-free, etc.
There are certain criteria young drivers need to meet in order to get temporary car insurance. Here’s what is required from both the driver as well as from the vehicle which you will be driving:
This is dependent on a wide variety of factors, such as your age, the current market price and the make of the vehicle you would like to drive and subsequently cover as well as the time frame you would like to be insured for.
Unfortunately, it is important to keep in mind that temporary cover for 18+ drivers is usually a bit more expensive than for normal drivers, purely based on the level of experience on the road.
Insurance always wants to protect itself against claims, and the likelihood of accidents is generally higher with younger drivers than with experienced ones. Therefore the premium charged will be slightly higher.
You can pay for your short-term car insurance easy and hassle-free online via the GoShorty website, with any bank cards that are legally accepted in the United Kingdom, as well as credit cards.
While you are always eligible to cancel your policy, some cancellation fees will be involved, which are based on an administration fee worth £25.
Depending on when you cancel your policy, you may be eligible for a refund (if your cover has already started and if you cancel within 14 days of the start of your car insurance policy).
GoShorty offers young drivers the opportunity to insure their vehicle for amounts of time as short as an hour. These temporary car insurance policies are perfect if you have to drive somewhere spontaneously, have an emergency or would just quickly like to hop behind the wheel and drive your friends or parents home.