Driving while a student provides numerous advantages and eliminates the need for public transportation. On weekends and throughout the holidays, you can drive to the store, go to campus, or visit family.
Although having a car allows you greater freedom, it is not so cheap to keep it on the road. You will be responsible for paying for your tuition, as well as housing and living expenses, as a student. Finding the cheapest student car insurance policy that offers excellent cover at a reasonable cost will, without a question, be a top priority for you.
Students will not have been driving long enough to accumulate several years of no-claims bonuses and driving experience to prove to insurers that they are a safe driver. Even if you are a mature student, your premiums will almost certainly rise because insurers will classify you as a student risk regardless of your previous experience. We can help with student car insurance UK in finding the best student car insurance quote which you will be more than satisfied.
Younger, less experienced drivers are more likely to be involved in a car accident than older drivers, student car insurance can be costly because of this. As a result, students are more likely to make a claim, therefore insurers compensate for this risk by increasing premiums.
University campuses are frequently located in urban areas with higher crime rates. Most student apartments lack a secure driveway or garage to park cars on, so they are an obvious target for burglars. If you are looking for student accommodation, make sure to look into the crime statistics in the towns and cities you're considering. If you live in an area where there is a higher chance of car theft and vandalism, your insurance price may rise.
There are a few things you may do to lower the cost of your insurance. These are some of them:
Purchasing an appropriate vehicle - If you do not yet possess a car, keep in mind that powerful and expensive cars are more expensive to insure because they are more likely to be stolen. In addition, repair costs are usually higher. As a runabout a compact car with a little engine might suffice. They fall within lower insurance groups, resulting in lower car insurance premiums.
Increasing the safety of your vehicle - If the region you'll be living in has a high crime rate, increasing your car security can help you save money on insurance. If your car does not come with one already installed, consider getting one and using a wheel lock. Both of these security features will lessen the likelihood of your car being stolen, lowering your insurance price.
Keeping your mileage low - While it is tempting to drive anywhere you want when you own a car, restricting the number of miles you travel in a year can have a significant impact on the insurance premiums you pay. If your university is only a few blocks away from where you are, walking could save you more than simply money on fuel!
Adding an experienced driver to your insurance cover - If one of your parents has a lot of driving experience and an excellent no-claims record, adding them as a named driver to your policy can help you save money on insurance.
If you are the primary driver of the vehicle, your name must be listed on the policy. You would be committing a sort of fraud known as 'fronting,' which is a criminal offence, if you designated a parent as the primary driver when they weren't. If you lie to acquire lower insurance, your cover may be voided, and you may even face criminal charges. Your policy's address must correspond to the location where your car is kept majority of the time. If you keep it with you at campus, you should include your university address. If you provide an inaccurate address, your policy may be cancelled.
Pay only for what you require - Find a policy that only contains what you need, if you do not require a lot of frills and extra add-ons.
Consider telematics - A telematics cover bases your premiums on how well you drive, which can help you save money if you drive safely. They are usually targeted towards younger drivers, such as students.
Courses for advanced drivers - To show your driving experience to insurers, take a Pass Plus course or obtain an advanced driving qualification.
This policy is great for university students who have access to a parent's or another relative's car during half terms and holidays, as the cover may be tailored to your specific needs. Temporary student car insurance is available for 1-28 days at a time, allowing you to choose the timeframe that works best for you without being locked into a long-term contract. So, whether you need insurance for a few days around Easter or a few weeks during the summer, we've got you covered.
Temporary student car insurance may not only save you money, but it may also save you time. Your schedule is jam-packed with deadlines, studying, and social gatherings, so the last thing you want to do is waste time on the phone enrolling for insurance or making changes to an existing policy.
Everything is simple and quick, and getting a quotation only takes a few minutes. Once you've received your quote, you can opt to be covered immediately, or you may specify a date and start time for your cover to begin.
Make sure you do not break the law and invalidate your insurance policy by doing the following:
Fronting
Fronting means the car is primarily driven by a more experienced driver, such as a parent, while it is actually primarily driven by a high-risk motorist, such as a student or young driver. It's a form of fraud, and it'll make your car insurance void. However, if you're a student living with your family and occasionally using their car, or if you simply want to use your parents' car when you come home, you can be classified as an additional driver on your parents' car insurance.
Details that are misleading
You must inform your insurer of the location where the car is stored majority of the time. If you are a student, that will almost certainly be your term-time residence, whether it's in halls of residence or a privately rented student house. There are higher dangers associated with driving in a congested, student-heavy region. Therefore, your car insurance will almost certainly be more expensive than if you stated your hometown location. Entering the incorrect address can result in the cancellation of your insurance policy. It is a good idea to contact your insurer and explain the situation if you are unsure about which address to use.
Is it possible to acquire a car insurance discount for students?
Typically, car insurance companies do not provide student car insurance discounts for students. However, there are various ways for students to save money on vehicle insurance. Paying the yearly premium in one single sum, installing a telematics device, and to compare student car insurance rates with us to obtain a good offer are some of these options.
Do students get a cheaper car insurance in the United Kingdom?
If you're a student under the age of 24, you'll almost certainly pay more for car insurance than someone who is 25 or older. In fact, the average yearly cost of a comprehensive car insurance cover for those aged 17 to 19 was £1,091 between January 2018 and January 2020.
What is the student car insurance discount?
Some major car insurance company provide a substantial student car insurance discount. This ranges from 10% to 15% off your rates, which is provided to student drivers who can show that they are doing well in school. High school pupils and full-time college students under the age of 25 are both eligible.
student car insurance discount.
Most student drivers are under the age of 25, they are perceived to be a greater risk on the roads than older drivers. As a result the cost of car insurance for students is often higher than the national average. Students are also more likely to be inexperienced drivers who have not yet accrued a no-claims bonus.
What is the best way to acquire the cheapest car insurance?