Student Car Insurance

Young drivers sit way out in front when it comes to car insurance costs.

And when that young person is a Student, living away from home, car insurance can be even more expensive again.

Unfortunately, there aren’t many specialist student car insurance policies but, while you can’t help your circumstances, there are some things you can do to keep down the cost of your student car insurance.

Ways to reduce your student car insurance

  1. Read our list

At mustard.co.uk we’ve come up with a list of tips on how you can save money on your car insurance premium but the following nuggets of information are more relevant to Students.

  1. Compare

mustard.co.uk is a comparison website so no prizes for guessing that would be one of our first instructions.

But we don’t just mean compare car insurance quotes for one type of policy, we mean compare all types of policies and see which one suits you best.

Comprehensive car insurance provides you with more protection than either Third Party policies, but it sometimes costs more too.

You might instead be tempted to go for a Third Party Only or Third Party Fire and Theft policy; generally they’re more affordable but it depends on the cover you need.

  1. What about getting insured Short Term?

You should consider looking at Short Term car insurance policies too.

If you only need to drive at certain times of the year (moving all your gear to and from Uni at the start and end of each year), Short Term car insurance could save you money.

Volkswagen Golf would make for a pretty nice Student Car

What not to do

  1. Fronting

Fronting is when a car insurance policy is set up with somebody else as the main driver and you as a main driver.

For example, a Student may set up a car insurance policy with their mother as the main driver and themselves as a named driver.

This is done because a policy in a parents’ name, who has lots of driving experience and a long No Claims Bonus history, will cost less than a student with no experience.

Ultimately, it’s illegal and if your insurer finds out, your policy will be invalidated and you could face criminal charges for driving without insurance.

  1. Go without

Going to uni is expensive, we get it, and you may be tempted to drive uninsured to save money.

Driving without insurance is a criminal offence that can result in criminal charges, fines, a disqualification and even more expensive insurance premiums in the long run.

Don’t be tempted and don’t think ‘they’ won’t find out. Since the introduction of Continuous Insurance Enforcement (CIE) rules, it’s fairly easy to find out if a car is uninsured.

  1. Lie

You can lie in lots of different ways when you get car insurance.

You can lie about how you use your car, where it’s kept overnight and your annual mileage.

This may well result in slightly lower insurance premiums but it will prove costly in the long run if you’re caught out.