The bad news is that we only know of one
single broker who can organise short term car insurance for drivers
under the age of 21; in this case the minimum age limit is 17 for
learner drivers and 19 for those with a full licence
although they can also cover drivers up to 75, subject to the usual
conditions of course. The
good news is that they have a panel of insurers to choose from, and
these insurers all have different criteria they use in deciding who
they can, or cannot, offer cover to, and what they will charge for
this, so you have a much better chance
of finding a suitable policy.
Since you may be offered more than one policy it is not really possible to detail the exact terms and conditions that you will be offered, but in general you will be expected to drive a fully roadworthy vehicle in a sensible manner, and look after it properly; leaving it parked with a boot, window or sunroof open will almost certainly lead to refusal of a claim for theft or damage to the vehicle, and leaving the keys where they can be easily stolen can also cause a problem. In common with practically every other insurance policy on the market dangerous areas such as unmade roads, military establishments and hazardous chemical manufacturers should be avoided.
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