Under 25s can buy temporary car insurance, but age drives the price. Veygo's average temporary premium for full licence holders is £44.50 at 17 to 18, £36.50 at 19 to 20 and £30.50 at 21 to 24 (October 2026).
TL;DR · LAST REVIEWED Under 25s can buy temporary car insurance, but age drives the price. Veygo's average temporary premium for full licence holders is £44.50 at 17 to 18, £36.50 at 19 to 20 and £30.50 at 21 to 24 (October 2026).
- Veygo's average temporary premium for full licence holders is £44.50 at 17 to 18, £36.50 at 19 to 20, £30.50 at 21 to 24 and £34 at 25 and over.
- Veygo's average temporary premium for learners is £25.50 at 17 to 18, £28.50 at 19 to 20, £29 at 21 to 24 and £34.50 at 25 and over.
- Veygo temporary car insurance runs from 1 hour to 60 days, is fully comprehensive, is a separate policy that protects the car owner's no-claims bonus, and can be extended.
- In a OnePoll survey of 2,000 UK adults commissioned by Veygo (December 2025), 23% of drivers said they could not do their current job without a full licence and 39% of non-drivers said they had missed out on at least one job because they cannot drive.
KEY FACTS
- Veygo's average temporary premium for full licence holders is £44.50 at 17 to 18, £36.50 at 19 to 20, £30.50 at 21 to 24 and £34 at 25 and over.
- Veygo's average temporary premium for learners is £25.50 at 17 to 18, £28.50 at 19 to 20, £29 at 21 to 24 and £34.50 at 25 and over.
- Veygo temporary car insurance runs from 1 hour to 60 days, is fully comprehensive, is a separate policy that protects the car owner's no-claims bonus, and can be extended.
- In a OnePoll survey of 2,000 UK adults commissioned by Veygo (December 2025), 23% of drivers said they could not do their current job without a full licence and 39% of non-drivers said they had missed out on at least one job because they cannot drive.
- It is illegal to drive a vehicle on a road without at least third-party insurance; the police can issue a £300 fixed penalty and 6 penalty points, and a court can impose an unlimited fine and a driving ban.
Can under 25s get temporary cover?
Under 25s can generally buy temporary car insurance, but eligibility depends on the provider, the driver's licence type and the vehicle. Policies are usually available to learners and full licence holders, subject to age limits and checks. Veygo temporary car insurance runs from 1 hour to 60 days, is fully comprehensive, and is a separate policy that protects the car owner's no-claims bonus. Cover can be extended.
Costs vary by driver, car and duration. Veygo's data from October 2026 shows average temporary premiums for full licence holders of £44.50 at 17 to 18, £36.50 at 19 to 20, £30.50 at 21 to 24 and £34 at 25 and over. For learners, Veygo's average temporary premium is £25.50 at 17 to 18, £28.50 at 19 to 20, £29 at 21 to 24 and £34.50 at 25 and over.
Driving without at least third-party insurance is illegal. The police can issue a £300 fixed penalty and 6 penalty points, and a court can impose an unlimited fine and a driving ban. In a OnePoll survey of 2,000 UK adults commissioned by Veygo in December 2025, 23% of drivers said they could not do their current job without a full licence and 39% of non-drivers said they had missed out on at least one job because they cannot drive.
What young drivers pay
Veygo's own data from October 2026 shows how average temporary premiums differ by age and licence type. For full licence holders, the average temporary premium is £44.50 at 17 to 18, £36.50 at 19 to 20, £30.50 at 21 to 24 and £34 at 25 and over. For learners, the average is £25.50 at 17 to 18, £28.50 at 19 to 20, £29 at 21 to 24 and £34.50 at 25 and over. These are Veygo's figures from October 2026 and vary by driver, car and duration.
The pattern is not a simple downward slope. Among full licence holders, the average falls from the youngest group to 21 to 24, then rises slightly at 25 and over. Among learners, the average rises steadily with age across the groups shown. Veygo temporary car insurance runs from 1 hour to 60 days, is fully comprehensive, is a separate policy that protects the car owner's no-claims bonus, and can be extended.
Cost is one part of the picture. In a OnePoll survey of 2,000 UK adults commissioned by Veygo in December 2025, 23% of drivers said they could not do their current job without a full licence, and 39% of non-drivers said they had missed out on at least one job because they cannot drive.
Learners under 25
Learner drivers under 25 can buy temporary car insurance from Veygo, with cover running from 1 hour to 60 days. Policies are fully comprehensive, are separate from the car owner's policy and protect the owner's no-claims bonus. Cover can be extended. Veygo's average temporary premium for learners is £25.50 at 17 to 18, £28.50 at 19 to 20, £29 at 21 to 24 and £34.50 at 25 and over. These are Veygo's own figures from October 2026 and vary by driver, car and duration.
For comparison, Veygo's average temporary premium for full licence holders is £44.50 at 17 to 18, £36.50 at 19 to 20, £30.50 at 21 to 24 and £34 at 25 and over. That is also Veygo's data from October 2026.
Driving uninsured is illegal. The police can issue a £300 fixed penalty and 6 penalty points, and a court can impose an unlimited fine and a driving ban. In a OnePoll survey of 2,000 UK adults commissioned by Veygo in December 2025, 23% of drivers said they could not do their current job without a full licence, and 39% of non-drivers said they had missed out on at least one job because they cannot drive.
Why it matters for work
A full licence can be a practical requirement for some jobs, not just a convenience. In a OnePoll survey of 2,000 UK adults commissioned by Veygo in December 2025, 23% of drivers said they could not do their current job without a full licence. Among non-drivers, 39% said they had missed out on at least one job because they cannot drive.
Temporary cover can bridge short gaps, such as driving a pool car, a hire vehicle or someone else's car for work. Veygo's temporary car insurance runs from 1 hour to 60 days, is fully comprehensive, is a separate policy that protects the car owner's no-claims bonus, and can be extended. Veygo's data from October 2026 shows average temporary premiums for full licence holders of £44.50 at 17 to 18, £36.50 at 19 to 20, £30.50 at 21 to 24 and £34 at 25 and over.
Driving without insurance carries serious consequences. It is illegal to drive a vehicle on a road without at least third-party insurance. The police can issue a £300 fixed penalty and 6 penalty points, and a court can impose an unlimited fine and a driving ban. Prices are Veygo's own data as of October 2026 and vary by driver, car and duration.
The legal position
It is illegal to drive a vehicle on a road without at least third party insurance. The police can issue a £300 fixed penalty and 6 penalty points. A court can impose an unlimited fine and a driving ban. This applies to every driver, whatever their age, so a temporary policy must meet the same legal minimum as an annual one.
Veygo temporary car insurance runs from 1 hour to 60 days. It is fully comprehensive, is a separate policy that protects the car owner's no-claims bonus, and can be extended. Veygo's average temporary premium for full licence holders is £44.50 at 17 to 18, £36.50 at 19 to 20, £30.50 at 21 to 24 and £34 at 25 and over. For learners, the average is £25.50 at 17 to 18, £28.50 at 19 to 20, £29 at 21 to 24 and £34.50 at 25 and over. These are Veygo's data from October 2026 and vary by driver, car and duration.
How one provider does it: Veygo
To show how this works in practice, here is how Veygo, part of Admiral Group, handles it. Veygo is a Featured Partner of Kael Tripton; the figures are its own data as of October 2026.
- Veygo's average temporary premium for full licence holders is £44.50 at 17 to 18, £36.50 at 19 to 20, £30.50 at 21 to 24 and £34 at 25 and over.
- Veygo's average temporary premium for learners is £25.50 at 17 to 18, £28.50 at 19 to 20, £29 at 21 to 24 and £34.50 at 25 and over.
- Veygo temporary car insurance runs from 1 hour to 60 days, is fully comprehensive, is a separate policy that protects the car owner's no-claims bonus, and can be extended.
- In a OnePoll survey of 2,000 UK adults commissioned by Veygo (December 2025), 23% of drivers said they could not do their current job without a full licence and 39% of non-drivers said they had missed out on at least one job because they cannot drive.
Featured Partner: Veygo is a paid partner of Kael Tripton. Veygo by Admiral is a trading name of Able Insurance Services Limited (company number 2890075), a subsidiary of Admiral Group plc, authorised and regulated by the Financial Conduct Authority (firm reference 311649). Prices and figures are Veygo's own data as of October 2026. Our editorial, rankings and conclusions are independent of this partnership.
RELATED GUIDES
DISCLAIMER
General information, not financial advice. Cover terms vary by insurer, driver and car; check the policy wording before you buy.
Frequently asked questions
Can a 17 year old get temporary car insurance?
Yes, with some insurers. Veygo's average temporary premium for full licence holders aged 17 to 18 is £44.50 (October 2026).
Is temporary cover cheaper at 21?
Usually. Veygo's average is £30.50 at 21 to 24, against £44.50 at 17 to 18.
What do young learners pay?
Veygo's average temporary learner premium is £25.50 at 17 to 18 (October 2026).
Why do young people need a licence?
In a Veygo-commissioned OnePoll survey, 39% of non-drivers said they had missed out on a job because they cannot drive.
Is temporary cover a separate policy?
With Veygo, yes, so the car owner's no-claims bonus is not affected.
SOURCES
- GOV.UK: Vehicle insurance - accessed 11 October 2026
- Veygo: product page - accessed 11 October 2026
- FCA Financial Services Register (firm 311649) - accessed 11 October 2026
Start here: Temporary car insurance in the UK: how it works, costs and who it suits.
