Student Car Insurance

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Go Compare's comparison site lets you compare the prices from many of the UK's top insurers (some of them accept monthly payments if you're 18+) but they don't just find you the lowest price on offer from them but they also let you compare the different policy features too so you can see how much you can save by accepting a higher excess, lower mileage, etc. Sometimes these can make a considerable difference to premiums. OK, it takes ten minutes or so to fill the form in but it might save you a lot of money.

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Do you REALLY need to buy a full year's insurance? You can insure your car for a few days (if you're over 21) , or on a month by month basis (over17) if you wish and use either policy to tax it too. Why pay for time you are not using? Click here for

short term car insurance

 UK student car insurance originally came out in the 1960s, when Endsleigh Insurance Company introduced it. Since then, numerous insurers have come to realise that students need to have an insurance policy designed specifically for them. Over the past fifty years, thousands of students have taken advantage of this type of car insurance. As car insurance premiums continue to climb, especially for young drivers, many more students will likely want to take advantage of the specialised car policies.

Now, numerous other insurers also offer student car insurance tailored specifically to young UK students who may not be able to afford insurance otherwise. Many insurers are now creating direct links to the student union groups in order to get into the heart of this market. Some are following Endsleigh’s example by placing branch offices on campuses and near student accommodations. With all the choices available, a young student purchasing car insurance for the first time may easily become overwhelmed.

Tips and advice for students

Although purchasing car insurance can be overwhelming, there are some steps you can take to make it simpler. These are:

Ø First determine what type of insurance you’ll actually need. Most students choose the basic third party policies simply because it’s the least expensive. This is fine for older vehicles or inexpensive cars. The only problem is that it doesn’t cover your medical expenses or repair any damages done to your own vehicle if you’re in an accident. Some choose third party theft and fire, because research has demonstrated that students are often the targets of thieves. If you have a nice new car, you may need fully comprehensive cover instead of the less expensive third party cover.


Ø Do some basic research online and off-line. Visit several insurance comparison web sites and insurance brokers so you can get quotes from numerous insurers. Be sure to get a minimum of five quotes to adequately find a wide variety of insurers. Carefully compare all the offers, and check for any possible hidden fees or extra charges. Don’t just accept the very first low budget offer you find. Being the least expensive doesn’t necessarily make it the best deal.

Ø Try to get a policy that provides cover at both home and term-time addresses. This will prevent having to change the address on the policy manually prolonged time at university or visits home during the holidays. Some companies charge a fee for changing addresses, as the vehicle’s primary location helps to determine the premiums.

Ø If you haven’t purchased a car yet, consider one that fits in insurance groups 1-4. You can find help determining a car’s insurance group through various web sites, such as the one maintained by the Association of British Insurers and Thatcham. A second-hand car or a newer vehicle with a small engine size will usually help to lower the premiums. Basically, you need to have a car that is very safe, anti-theft secure, inexpensive, and easy as well as inexpensive to repair or replace. The closer your car fits the description, then the lower your insurance premiums will be. Also, if the car’s value is at or under £5000, you can opt for the less expensive third party types of insurance.

Ø You may also want to consider being a named driver on your parents’ policy while you’re accruing your own No Claims bonus. However, you’ll have to choose your insurer very carefully then, as some insurers will give the credit to your parents instead of you. In most cases, it’s best to get the insurance cover in your own name. If you do become a named driver be very careful, though, to ensure that your parents are in fact the main drivers of the car and not only drive a higher mileage in it than you do, but can also prove it: otherwise you could be accused of 'fronting' and find any claim disallowed in the event of an accident as well as facing possible prosecution. It just isn't worth it so if you do go down this route make sure you obey the rules, insurance companies have many ways of finding out the truth if you try to pull the wool over their eyes.

Ø If you’re under 25 years of age, then also compare offers from insurers that specialise in young drivers insurance. Some of these companies offer competitive prices but do not specifically refer to the policies as student car insurance policies.

Ø Consider making a few lifestyle changes in order to lower your premiums. Don’t modify your car. Avoid driving after dark, especially on weekends. Participate in community oriented activities. Manage your finances properly, and work on establishing an excellent credit rating. Avoid participating in any illegal criminal activities, especially drink driving. Take extra driver training courses, if possible.

Most of all, ask about any possible discounts. Some companies won’t tell you what discounts are available unless you specifically request them. Don’t be afraid to ask an insurer to remove any extra services you may not need, such as courtesy cars or European cover. You should definitely consider buying your student car insurance online, as numerous insurers give an extra discount for online purchasing.
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