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Student car insurance

Find affordable car insurance for students

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What is student car insurance?

Student car insurance is just like normal car insurance that you take out when you’re a student – this usually means when you’re in full-time education.

You’ll always need car insurance to drive on UK roads, no matter how old you are or what your job is – even if you only have a provisional licence, you’ll need to have at least third-party cover in place to get behind the wheel.

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Types of student car insurance

Students will have the same types of car insurance to choose from as everyone else:

  • Third-party

    Third-party insurance only pays out for damage done to someone else or their car or property – it doesn’t cover you or your car 

  • Third-party, fire and theft

    Third-party, fire and theft policies add cover for your own car if it’s stolen, or damaged by fire or an explosion 

  • Fully comprehensive

    Fully comprehensive cover offers everything included above, but also adds a range of other cover options for you and your vehicle 

How much does car insurance cost for students?

Students are likely to pay more than most for car insurance as most who list ‘student’ as their main occupation are under the age of 25 – over 85% of people who looked for cover through MoneySuperMarket, in fact.* 

People in this age group are seen as high risk by insurers owing to their relative lack of experience on the road – as such they normally face higher premiums. However, it also comes down to:

  • Your location: Some areas in the UK are more prone to theft, vandalism or traffic accidents, so these locations will likely see higher premiums 

  • Your driving history: Having few years of experience will go against you, but if you have been driving for a while your history of claims and convictions will also be a factor 

  • Your car: Insurers sort car makes and models into different insurance groups based on factors like performance and ease of repairs, and cars in lower

Occupation

Average annual premiums**

Student

£1,518

Warehouseman

£955

Manager

£683

Sales Assistant

£856

Retired

£280

*Based on fully comprehensive policies with one driver holding a full UK drivers licence, choosing either student, undergraduate, post-graduate, or mature student living at or away from home. MoneySuperMarket data collected between October and December 2021, accurate as of March 2022.

** Based on fully comprehensive policies with one driver holding a full UK drivers licence. MoneySuperMarket data collected between October and December 2021, accurate as of March 2022.

How can students get cheaper car insurance?

While students may face higher premiums than most, there are ways you can look to lower the cost of cover:

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    Telematics insurance

    Telematics insurance, sometimes known as black box cover, is when insurers use GPS technology to monitor your driving, rewarding good habits with future discounts 

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    Pay-as-you-go insurance

    Pay-as-you-go car insurance charges a flat rate for when your car is parked, then only charges beyond that for the miles you drive – helping you save if you aren’t a frequent driver

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    Driving fewer miles

    The more miles you drive the more likely you are to have a road accident – so limiting your time on the road can help keep costs down, especially with pay per mile insurance

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    Named driver insurance

    Adding a parent or guardian as a named driver, so long as they have more experience than you, can help bring down costs – but make sure you’re honest about who’s doing most of the driving 

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    Choosing a car from a low insurance group

    Insurers sort cars into insurance groups based on factors like their performance and ease of repairs – cars in lower groups are generally cheaper to insure

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    Avoiding small claims

    If you can go for over a year without making any claims – by staying safe on the road and if possible, paying for small things yourself – you can start to build up a no claims discount on future premiums

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    Keeping your car safe

    If you keep your car on campus this may affect the cost of your insurance – the best place to park a car if you can is in a locked garage

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Why compare student car insurance quotes with MoneySuperMarket?

Our mission is to make finding cheap car insurance easier for students – and when you take out cover with MoneySuperMarket you can benefit from:

  • MoneySuperMarket discounts

    Everyone deserves to save money – in fact, almost a quarter of people comparing car insurance quotes with us received a MoneySuperMarket price cut in their results*

  • Renewal reminders

    Our car monitor gives you reminders on your road tax and MOT, as well as showing your MOT history and car valuation – helping you stay up to date, so you never miss a renewal

  • Support from our team

    Our live chat tool is there so our experts can guide you through the car insurance question set, offering tailored support during business hours to help you get the right policy for the right price

*24.43% of customers completing a quote through MoneySuperMarket received a price cut quote in their top 10 results. Based on MoneySuperMarket quotes between May 2021 and May 2022

If you’re a student you may find temporary or short-term car insurance more useful than an annual policy. You’ll be able to take out cover on a monthly, daily or even hourly basis, so you only pay for the cover you need when you need it.

This can work out cheaper than taking out and paying for a full annual policy – so it’s always worth comparing your options to make sure you’re getting the best deal. 

If you don’t use your car, one options could be to take out temporary cover so you can still get behind the wheel when you need to. However if you don’t use the car at all, and you’d rather not worry about having to insure it, you can declare it off-road with a Statutory Off Road Notice.

It’s worth considering that if you do declare your car off-road, you’ll stop accruing your no-claims discount. For this reason, you might prefer to take out temporary cover or reduce the expected mileage you give to your insurer, so you can keep building your no-claims bonus.

Telematics insurance, also known as black box insurance, is when your insurer uses GPS software or hardware to monitor your driving habits. This can be done with the aforementioned black box, which is fitted under your dashboard, or with a plug-in device that goes into the cigarette lighter, or a mobile app using your phone’s location data.

Insurers use this to analyse things like your driving speed, breaking and handling of corners – and they often put all of this information into a ‘driving score’ which you’ll be able to see yourself.

The better you drive the more likely you are to get cheaper premiums next time you compare quotes.

It’s usually a rule of thumb that your car insurance costs will be lower if you pay the full amount in an annual lump sum, rather than spreading the cost over 12 months. But it’s always good to compare quotes to make sure you know what’s on offer.

Fronting is an illegal practice where you would lie about who the main driver of a policy was to get cheaper premiums. For example, if you were a student and you took out a car insurance policy on your own car, you’d expect to pay high premiums – so by adding a more experienced parent or guardian as a named driver you could bring the cost down.

However if you’re doing the bulk of the driving that would make you the ‘main’ driver. Fronting would be if you declared the older driver as the ‘main’ driver even if you were doing more of the driving – just to get lower premiums. This is lying, and illegal, and could lead to punishment in court.

Even if you’re a learner driver with a provisional licence, you’ll need at least third-party insurance in place to drive on UK roads. If you’re taking private lessons it’s likely you’ll have to take your own cover out, but driving schools often provide their own insurance.

Insurers don’t usually offer special discounts for car insurance if you’re a student, and as youngsters generally face higher than average premiums, this makes it even more important to take steps to get cheaper cover.

If you’re living away from home while you study, you should use the address at which you keep your car for the most time. So if you spend more of the year at university than you do living at your home address, you should put your university’s address as yours.

Unfortunately students face some of the highest premiums - mostly down to the fact that the majority of students are also young drivers with little experience.

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