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In addition, if something happened to your vehicle while a friend or relative was using it and you needed to make an insurance claim, that would probably mean an increase in next year’s premium - whereas claiming on a separate, temporary insurance policy wouldn’t affect your personal car cover in such a way. Insurance providers are generally happy to provide cover to any driver over the age of 18 and under 75 - but when it comes to temporary car insurance, you may find that providers are unwilling to offer cover to anyone under the age of 21. Drivers aged between 21 and 25 generally can buy short term insurance. If you have points on your driving licence, previous motoring convictions or a history of making motor insurance claims, you may also find it difficult to buy temporary car insurance.
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