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Student car insurance in the UK is specially designed for students who are learning to drive or may need help with their premiums because of their age. When finding a great deal on student insurance, it is important to know what kind of coverage specifically is needed. The options available to a student are different from that of a full-time working professional. Others require additional coverage for their vehicles that students most likely do not need or want.

Looking for student car insurance in the UK? With so many outgoings and limited funds saving money where possible, as a student is essential. Save money by using Insuro’s insurance comparison service to find the cheapest student car insurance quote available on the market.

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Why is student car insurance so expensive?

Car insurance rates are not high for students, but instead the age bracket that most students fall into. Drivers aged 17 - 24 statistically tend to have more accidents than their older counterparts.

This is due to their lack of driving experience. As well as this, students normally live in areas with cheaper rent and higher rates of crime, thus raising the chances of car vandalism and theft. In an attempt to safeguard themselves from this risk, insurance companies charge student’s higher premiums.

Factors to consider when opting for this type of insurance

Student car insurance is just like regular car insurance. You will want to compare different insurance companies and look at all of the options that are offered. This will allow you to make sure that you have all of the coverage that you need.

The rates that you pay will depend on several different things. One of the first factors that you will need to consider is how old the car is. For the most part, the older the car is, the more expensive it is to insure. The next thing that you will want to look at is the value of the car. It will also affect the rates that you pay.
Another factor would be the safety features of the car. The more safety features that the car has, the lower your rates will be. You will also want to compare different deductible levels. High deductible levels will usually lower your rates, but you will have to pay more if you are in an accident.

On average, student car insurance will cost you around £1,040 a year. This price will probably be the same for almost every college student. This is because in most cases, the rates that you pay will not be based on where you go to school.

What are the requirements of student car insurance?

If you are a student driver or have a student driver in your family, you might have wondered how to get cheap car insurance for young drivers. Generally, the requirements are higher for younger drivers. These include:

  • A clean driving record.
  • Evidence of good grades in school.
  • Financial responsibility.
  • Being 25 years old or younger.
  • Your parent(s)' insurance company agrees to insure you.
  • You are a full-time student.
  • You are neither married nor have children.
  • You are a legal resident of your household.
  • You are living in your household, not someone else's.
  • You own a car.
  • You are not currently under suspension, probation, or driving-under-suspension.
  • You are not an active driver on a motorcycle.
  • Your car has anti-theft devices, anti-lock brakes, air bags, and traction control.
  • You are not a high-risk driver.

Do I need to insure my car as a student?

If you drive at all, you'll probably need car insurance. Your own driving record is never likely to be as bad as the records of other college students, but accidents happen, and insurance companies treat them as if they do.

There are two main types of insurance you need to be aware of - third-party liability and comprehensive. The level of cover you choose will depend on how likely it is that you, your family, or someone else will be involved in an accident.

The term "student car insurance" may refer to either of two types of insurance: liability-only and full-coverage. Liability insurance is insurance that covers only damages or injuries you cause to other people or property. Full-coverage insurance is insurance that covers you for damage to your own vehicle and personal effects, as well as injuries you cause to other people.

Liability-only insurance is the cheaper of the two; it covers injuries to others but not to your own vehicle. Full-coverage insurance is the more expensive, but it pays for damages to your own vehicle and injuries you cause to others.

Many insurance companies offer special student rates, find and compare 100s of insurance quotes with Insuro to get the best deal!

How to find cheap student car insurance (UK):

While car insurance is something you cannot escape as it is required by law, there are things that you can do to try to lower your premium.

  • Opt for a smaller car: This may be something that you can not do if you have already purchased your vehicle. If you are still looking around it is better to opt for a smaller run-around car. The more expensive models are more likely to be damaged or be stolen, thus raising premiums when trying to insure them.
  • Add a named driver to your policy: Having a more experienced, older driver named on your policy can substantially reduce your premium costs. This is because insurance providers think that the more people you have on your insurance the less time you will spend driving your car.
  • Take a pass plus test: By taking this test you demonstrate to insurance companies that you know what you are doing on the road. This reduces your risk that you post towards them, and can result in discounts.
  • Shop around: It can be quite surprising how much money you can save by comparing different insurance quotes. Use Insuro’s car insurance comparison service to find quotes quickly and easily.

Can you get a student discount on car insurance?

Most insurance companies offer discounts to students with good grades. The discount is usually 5 or 10 percent, but the bigger the discount, the harder it is to get it. For example, an insurer might offer a student with straight A's a 20 percent discount, but a student with B's may get only 10 percent.

When a student gets good grades, the insurance company knows the student doesn't get into too much trouble. The student's grades are a reliable indicator of good behavior. The insurance company thereby gets extra security; the student now pays lower premiums.

The same logic applies to people who volunteer. Everyone likes people who volunteer. And volunteer work is often a reliable indicator of good behavior.

Insurance companies use a similar logic when rating driving records.

A student with good grades will probably drive safely, and the insurance company can count on that. A student with good grades may drive too fast, but the insurance company may discount that risk.

What types of car insurance are available to student drivers?

There are six types of car insurance that student drivers can opt for. Each type includes different amounts of cover.

Comprehensive car insurance
This covers you for damage to your car as well as third-party damage (in other words, other people). Comprehensive insurance covers damages to the vehicle resulting from fire, theft, vandalism, falling objects, glass breakage, and contact with animals. Comprehensive insurance is often required by law if you have financed your vehicle.

Third-party only insurance
This only covers you for third-party damage. Third-party only insurance covers you when you drive other people's cars while they are in the passenger’s seat.

Third-party fire and theft insurance
This covers you for third-party damage, as well as theft and fire. Third-party fire and theft insurance cover you when you drive other people's cars while they are in the passenger’s seat, or while they are in the boot.

Fully comp insurance
This covers you for damage to your car as well as third-party damage. Fully comp insurance is a more expensive option. The comprehensive policy usually costs less, and third-party-only insurance is the cheapest.
Fully comp insurance covers you when you drive other people's cars while they are in the passenger’s seat, or while they are in the boot, or while they are parked.

Liability insurance
Liability insurance only protects the driver, not the vehicle. Therefore, if you are responsible for the accident, you or your own car insurance will have to pay for the damages.

Collision insurance
Collision insurance provides physical damage coverage for the vehicle. Collision insurance covers damages to the vehicle resulting from a collision with another vehicle or object.

Why should I use Insuro?

Student car insurance in the UK can be difficult to find, but with Insuro you can get a great deal on your premium. We compare 100s of insurance quotes from 100s of car insurance companies in a matter of minutes and give you a quote based on your profile. It's quick and easy!

Through partnerships with leading insurance companies, we can help you find the lowest price for car insurance that meets your needs. Whether it's comprehensive protection, or liability-only coverage, Insuro has you covered!

What is car insurance?

Having car insurance ensures you are covered financially if the worst were to happen to your car. This could be damage from an accident, theft, vandalisation and fire damage. It means you won't have to dig into your own pocket to pay for potentially huge repair or replacement costs.

Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of cover you must legally have is third-party car insurance. This would cover the damage to another person's car, for example in a collision accident, but provides limited cover for your own vehicle.

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How much does car insurance cost?

Car insurance is made up of an annual premium. This can be paid in a lump sum or monthly as a direct debit. There are many factors that come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums with Insuro. Get one of our quotesin a matter of minutes.

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