The car insurance industry is a well oiled machine that has had nearly a hundred years to develop and evolve. This means that the people selling you the policies know all the ins and outs. Well maybe not the sales person you talk to on the phone but you can be assured that there is an army of analysts, adjusters and underwriters finely tweaking every type of insurance you can get for your car. So let us take at look at why temp cover under 21 is so difficult to find.