student insurance

Exclusively for Students!

If you’re leaving home for college or university, then car insurance may not be at the top of your ‘to do’ list. But finding the right cover for your car could save you money, and may help your student loan go further. Car insurance for young drivers can be expensive, we can look at the cheapest cover’s that are available and help you save money.

We search a panel of top UK insurance providers to get you the cheapest quote.

Our student car policies include:

• Aged 18 – 24 with a full UK licence being held for at least one year
• Annual mileage less than 12,000
• Driver only or Driver plus a Named Driver* (parent and/or partner)
• Must have been a resident in the UK for 3 years

The car you drive

The age, model and engine size of your car will all affect the cost of your motor insurance. Generally, the smaller and less powerful the car, the cheaper the policy should be.

Levels of car insurance cover

• Third Party only – a basic level of cover for claims made against you by other people following an accident. It covers your liability for injury to others and damage to their property
• Third Party Fire and Theft – provides the same level of protection as third party only, but also covers your vehicle against fire damage or theft
• Comprehensive – provides all of the above, and includes accidental damage cover for your own car, plus other benefits such as cover for personal possessions or medical expenses

Third Party Fire and Theft is usually not much more expensive than Third Party only, but it provides important cover against fire and car theft. If you’re a student in a large city then cover against theft is worth considering.

Think about your mileage

If you reduce your annual mileage by living closer to the college or university campus then you are likely to receive cheaper car insurance quotes.

Car security

Keeping your car off the roadside at night, or better still in a locked garage, could contribute to a lower premium. If you have to park on the street outside your student accommodation, then park in a well-lit area and do not leave any valuables in the vehicle that can attract thieves.

If you’re living off campus in an area where you’re concerned about car theft, it may be worth installing extra security devices to your car. Insurance companies can give you advice – tracking devices and immobilisers are likely to attract a discount on your premium.

Car insurance is a legal requirement in the UK and if you don’t have it, you could be punished with a driving ban or hefty fine. Not to mention you won’t have adequate protection for yourself.