Get a quote
Standing by a car

Car insurance

Temporary insurance for under-25s

Picking up a car? Borrowing a friend's? Even if it's just for a day, you'll need temporary car insurance.

If you have your own policy, that would cover damage to YOU - but not your friend's car. Get your own temporary insurance for the car and don't risk the £1,000 bill when you reverse through a wall.

Getting temporary insurance protects the car owner's No Claims Discount - keeping you safe from rage.

When do I need temporary car insurance?

  • Borrowing someone's car
  • Picking up a new car you haven't insured fully yet
  • Renting a van to move house
  • Sharing a drive in someone else's car
  • For short-term cover like uni holidays

When you might struggle to get temporary insurance

Some insurers will be reluctant to offer temporary insurance to under-21s and you may also struggle if you have points on your licence, past claims or previous driving convictions.

FYI: ingenie doesn't offer temporary insurance because our whole thing is about building up a picture of your driving style over time, so we can work out your good driving discounts. Find out how that works.

  Click for up to 21% off your car insurance  

Important stuff you need to know about temporary insurance

A temporary policy that you turn off and on as you need it might seem like a nice, cheap alternative to getting a year-long policy. Unfortunately, recent changes to the law make it illegal to keep a car without insurance if you haven't told the DVSA it's off the road (SORN).

This means any car you take out temporary insurance for should already be covered by another policy - for example, a parent's - or about to be covered by a full policy.

Don't leave any vehicle you own without insurance if you haven't declared it off the road.

Don't quite get how car insurance is worked out? Go read about all the factors that decide your price.


6 Responses

  1. Sally Cutter says:

    I have a policy with you that expires on April 9th and l was wondering if it is possible to insure the car until June 15th, when the MOT runs out. Ref. no. 1715424. Sally Cutter

  2. Jess says:

    I have my test tomorrow and need temporary insurance until I get paid in 2 weeks as I can’t afford the full premium until then can you help?

    • ingenie says:

      Hi Jess,

      We don’t do temporary insurance I’m afraid, but you can just pay the deposit and then pay monthly. The deposit is 20% of the premium and then a month later you pay your first monthly instalment.

      Good luck tomorrow!


  3. Alisan Perkins says:

    I am confuse on your web pge it says “When do I need temporary car insurance?
    Borrowing someone’s car
    Picking up a new car you haven’t insured fully yet
    Renting a van to move house
    Sharing a drive in someone else’s car
    For short-term cover like uni holidays”

    and i can find no other info my son is coming home for 3 weeks from Uni and i thought perfect but on your chat you tell me you do not do temporary cover….why do you advertise it ?

    • ingenie says:

      Hi Alisan,

      We write advice for all drivers, not just ingenie drivers. Although we don’t offer it as a product, young drivers still need to know about it. Sorry we couldn’t help with your son’s insurance.