Cheap Student Car Insurance

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. You can search for a quote online or chat with our helpful advisors via web chat or on the phone.

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.

Black Box Car Insurance For Students

One of the best ways to save money on student car insurance is with black box insurance. Black box insurance or telematics insurance works by installing a small device in your car. This device will then
monitor your driving habits. It will record the typical times that you use your car, your adherence to the speed limits as well as your driving style when it comes to braking, acceleration and cornering.
The safer you drive, the more your premiums can be lowered. Black box insurance is a great way to receive a policy based on you as an individual, rather than just your age range. Furthermore, black box insurance doesn’t impose any night-time restrictions for driving. However, if you typically drive at the times that are considered risky, such as midnight to 6am, then you may see an increase in premiums. However, if you typically drive at safer times during the day, then you may be able to save much-needed funds through cheaper car insurance.

MyFirstUK will also offer the best price at the beginning of the policy, so you don’t have to worry about performance-related schemes or midterm fines for excessive braking or acceleration, for example. What’s more, the MyFirstUK team know students are super-busy. With a telematics policy, you will receive a dedicated account manager who will keep you up to date on your driving dashboard and the progress of your policy, so you don’t have to worry.