Many young people have trouble getting hold of temporary car insurance if they are under 25. The problem arises due to the risk of insuring young driver between the ages of 17 and 25. This age group is 10 times more likely to be involved in a road traffic accident, for insurers this is a great liability in having to pay out claims not only for their own customers but for the other party. Personal injury claims are an increasing cost factor that insurers are having to deal with.
As a result young men in particular in this age group are hit with much higher than average premiums. This means that if you happen to be a male between the ages of 17 and 25 you will be sure to be paying an inflated insurance premium. And to add insult to injury this age group is less likely to have the funds to be able to afford such high costs when it comes to insuring their car. This is the reason that many young driver put off owning a car until they are older and choose instead to either borrow their parents car or find other means of transportation.
Whilst some parents may be persuaded to add you to their policy so that you can borrow their car from time to time other will not. If you have been driving for any number of years you will surely covet your no claims discount and allowing their offspring to risk their no claims bonus may not be an acceptable solution.
This is why many young drivers seek out temp car insurance, this is an insurance policy like any other except it can be taken out for a temporary period. A short term policy can cover you to drive a vehicle for 1 to 28 days, the great thing about temporary insurance is that it will not affect the no claims of any other policy on the car.
Whilst temporary car insurance is an ideal solution for many due to the high risk of insuring young drivers many insurers will not cover people younger than 25. You may find an insurer willing to provide you with cover if you are 23 years of age or over but this is generally the exception rather than the rule. To get temporary under 25 car insurance an alternative option is to take out a pay as you go monthly policy. This is much like a short term policy except that is runs for a month at a time and covers drivers from the age of 17 onwards.