Temporary insurance and young drivers: what are the rules from the age of 21?
At 21, you often have to borrow or buy a vehicle without being able to immediately take out an annual insurance contract at the best rate. Temporary insurance then becomes a quick and flexible alternative to cover a young driver, whether for a test drive, a family loan or the purchase of a new car. At KT Tempo , we explain the conditions , limitations and best practices for a 21-year-old driver to obtain temporary coverage legally.
Who can take out temporary insurance at 21?
- Minimum age : 21 years old.
- License length : generally ≥ 24 months without suspension.
- Insured vehicle : final or provisional registration document (WW/CPI).
- Limited use : circulation in mainland France, from 1 to 90 days without automatic renewal.
These criteria meet article L211-1 of the Insurance Code, which requires liability coverage from the first meter traveled.
Pricing conditions and specifications
Young driver excess and surcharge
Insurers apply a risk surcharge for profiles considered “young”. Expect:
- Increased deductible : often 20% of the vehicle’s value (vs. 10% for a standard driver).
- Daily bonus : +15–20% compared to an experienced driver.
- Warranty ceiling : identical (unlimited liability), but paid options (glass breakage, assistance).
Duration and pricing
| Duration of coverage | Indicative rate (young driver) |
|---|---|
| 1–7 days | 20–30 €/day |
| 8–30 days | 15–25 €/day |
| 31–90 days | 10–20 €/day |
These rates vary depending on the type of vehicle , its expected mileage and the exact profile of the insured.
Quick subscription procedures
- Online access : go to kttempo.com .
- Required information : date of birth, date of obtaining license, registration.
- Choice of guarantees : compulsory civil liability + options (assistance, breakage, theft).
- Secure payment : credit card, when ordering.
- Instant certification : immediate receipt by email, to be presented at any check.
Tips for young drivers
- Check the age : if the permit is less than 2 years old, the subscription may be refused.
- Compare durations : avoid paying for unnecessary days.
- Add 0 km assistance : useful in the event of a breakdown during a loan or test drive.
- Respect the indicated mileage to avoid loss of coverage.
Conclusion
For a young driver aged 21, temporary insurance is the most suitable solution for one-off needs: trial, loan, purchase. It allows you to drive legally without committing to a year, while offering price flexibility. With KT Tempo , benefit from instant subscription, flexible guarantees and immediate certification, to take to the road with complete peace of mind.
👉 Subscribe to your temporary insurance online now at kttempo.com and receive your certificate in less than 5 minutes.