Temporary Car Insurance For Driver With Licence Less Than 12 Months

I am 28 and have held my full driver's lisence for approximately 10 months. Is there any way of getting temp cover for me to drive my friend's car? Every temp insurance site I have visited has not accepted anyone who has held their licence for less than 12 months.

Question by Arni on 17th Jun 2009 at 11:20

Arni,

Insurers are very strict when it comes to short term cover because they do not want to take on board drivers who are likely to make a claim when they have been given insurance for only a couple of days. Therefore there are no insurers at the moment who are willing to provide temporary insurance for drivers with licence less than 12 months.

Answer by Gices on 17th Jun 2009 at 15:17

Yes, there is. Type ecar in google they provide monthy or daily cover at a cheap price. I'm 21 passed test last month and driving 1600cc polo on monthly cover at 150 pounds. If I want to cancel I just cancel direct debit with no charge and then go another month when I need!

Answer by Ash on 22nd Jun 2009 at 10:31

Ash,

You are right but eCar will only insure you for a minimum of 1 whole month if you hold your licence for less than a year. You will not be able to get insurance cover for periods shorter than this and this is renewable on a monthly basis as well, so no 1 month 10 days insurance - it has to be complete months.

Answer by Gices on 28th Aug 2009 at 11:02

It does work if you get insured as an alternative driver e.g get your mum or dad to insure that car as proposer and you get insurance on that same car as driver no.2 but it's not for a couple of days or months but it works annually!

Answer by Mike on 14th Oct 2009 at 09:23

Mike,

Annual car insurance is not a problem here but temporary car insurance is if the driver does not have at least a full year's driving experience. The two main things about getting insurance cover for short periods is that you need to be 21 or over and have held your driving licence for over a year.

Answer by Gices on 17th Oct 2009 at 14:52