A student life is never cheap. Tuition fees, accommodation costs and living expenses all quickly add up to eye-watering amounts. The last thing you want to add to your budget is car insurance. However, when you have invested time and money into learning to drive, it would be a shame to miss out on the freedom of driving your car. After all, as a student, a car gives you greater convenience, practicality and more opportunities for your adventures during your student days.
To help you save as much money as possible as a student, MyFirstUK offers specialist car insurance for students. We search for the best deals to save you money but also save you time too.
Why Do I Need Student Car Insurance?
If you have a car and use it, then your vehicle needs to be insured. Even if you leave your car at home when you go to college or university, your vehicle will still require insurance or, if it is not in use, it will need a Statutory Off Road Notice (SORN). It is important that you always have insurance or a SORN in place so that you can comply with the Continuous Insurance Enforcement legislation. Failure to do so is an offence and may lead to a fine.
Save Money With Car Insurance For Students
Many students fall into the 17 – 25-year-old age category which is typically considered as high-risk by insurers which often means expensive insurance premiums. Added to the higher risk for accidents and insurance claims due to lack of driving experience is the added concern that students and their universities tend to be located in cities, which can also increase car insurance premiums.
Furthermore, students will often live in areas with higher crime rates. As well as this, there are usually fewer options for safe places to park the car, all of which work against students to increase their premiums. However, for many students, a car is crucial and a fantastic opportunity to explore the area with friends and fellow students. MyFirstUK wants to make it as easy as possible for students to enjoy their car at university by finding the best deals and the cheapest student driver insurance.
How Do I Get The Best Student Driver Insurance?
Tailored Cover – Get the right policy for your needs to save you money, whether you take your car to university or leave it at home.
Reduce Your Mileage – It may help to reduce your premiums if you lower your annual mileage if you can reduce the amount of driving you need to do.
Check For Offers – Student discount can apply to car insurance too. Don’t forget to ask for any ongoing student offers.
No Claims Bonus – Keep building your no claims history through university to lower your premiums in the future.
Value For Money – MyFirstUK will compare the market for you and look for the best value deals to suit your needs.
Pay Upfront – Paying upfront for a full year is often cheaper than instalments. However, we offer flexible payment option with low deposits too.
Type Of Car – The type of car you choose will dictate the cost of premiums, small and practical will be cheaper than sporty and powerful.
Add Named Drivers – Adding other drivers, with plenty of driving experience, which use your car can lower your premiums.
Black Box Insurance – Pay a premium based on your own driving style and habits rather than that of your peers.
Consider Parking Places – Parking your car in a safe place such as a well-lit neighbourhood, or a driveway can save you money.
No Modifications – Pimping your car can add to the premiums, avoiding modifications can help to keep costs low.
Increase The Excess – If you can afford to pay more in the event of a claim, then it may reduce your overall premiums.
Check Your Cover Options – Third-party insurance is not necessarily the cheapest, check quotes against fully comprehensive options too.
Add Security Measures – Anti-theft devices can all help to keep your car safe from thieves and lower your insurance premiums.
You can search for a quote online or chat with our helpful advisors via web chat or on the phone.