Compare car insurance quotes for students

Find cheap quotes quickly and easily

Look no further for cheap student car insurance! mustard.co.uk will search our panel of leading insurers to find you the protection you need, at a price that fits your budget.

Read this page for tips on how to reduce your car insurance premium and how to compare online or on the phone – start your quote with us today.

Jump to section

  • What is student car insurance?
  • How to get cheaper car insurance for students
  • FAQs
  • Useful links
  • Customer reviews

Jump to section

  • What is student car insurance?
  • How to get cheaper car insurance for students
  • FAQs
  • Useful links
  • Customer reviews

Does being a student affect car insurance?

Being a student can affect your car insurance and it’s likely you’ll pay more than the average. That’s because insurers take into account a number of factors to work out the potential risk of a claim being made. For students, those risk factors are high for a number of reasons, including:

  • Age – students are typically young, inexperienced drivers and statistics show under 25s are involved in more accidents.
  • Location – term time addresses and campuses are usually in busy urban areas prone to heavy traffic increasing the risk of an accident.
  • Unsecured overnight parking – at busy student houses, lack of off-street parking can mean there’s a greater chance of your car being vandalised or stolen.

Even if you’re a mature student, you’ll still be grouped into the overall student category so you could still see the cost of your insurance increase.

The good news is that comparing car insurance quotes can help you find the best deals and student discounts so that you never pay more than you need.

Here’s what you’ll need to get a quote:

  • Personal details including your age and driving history
  • Your car registration
  • Where your car will be kept and how many miles a year you’ll be driving

Remember you must be completely truthful in your answers, otherwise any policy you take out may be invalid.

Taking out car insurance can be overwhelming but mustard.co.uk can help you to find student car insurance cover by showing you a range of quotes, so you can compare the market and pick the one that’s right for you. We’ve taken the time to answer your frequently asked questions about student car insurance – including how to get cheaper car insurance for students.

Other articles you may find useful: 

How much does it cost to learn to drive?
Temporary car insurance
Best gifts for young drivers
How to save money on car insurance premium
The 8 cheapest cars to insure

Student car insurance FAQs

What is student car insurance?

Student car insurance is cover that has been designed especially for student drivers. This means the policy has been tailored to suit students’ lifestyles whilst also being budget-friendly. Some policies may also include other incentives to benefit students.

Student car insurance covers the same risks as standard car cover but will be tailored to meet your needs while you’re home or at uni. 

It’s a legal requirement to have a minimum of third party car insurance in place before you drive in the UK, and this still applies to students who take their cars to university. Just like other types of car insurance, you’ll be able to choose from one of three levels of cover

  • Third-party only insurance – compensates other people for injury or damage to their property that you’ve caused. Third-party only policies don’t cover the cost of damage to your own car. So if you have an accident, you’ll need to pay for repairs yourself.
  • Third-party, fire and theft insurance – provides third-party only cover and also compensates you if your car is damaged by fire or is stolen. 
  • Comprehensive insurance – includes third-party, fire and theft cover and also pays to repair or replace your car if it’s damaged in an accident – even if the accident was considered your fault. 

Some insurers may even include extra features like personal possessions cover and a courtesy car for added peace of mind. If they aren’t included as standard, you’ll be able to add them on as optional extras for a small cost.

How to get cheaper car insurance for students

Car insurance is almost always going to cost more if you’re a young driver. That said, there are ways to help keep costs down, including:

  • Paying for your policy in one go – if you can, pay for your policy upfront for the year. It’s a lot of money but installments will cost you more in the long-run as they’ll include interest fees.  
  • Increasing your voluntary excess – having a higher voluntary excess can lower your overall premium, but remember that it still needs to be affordable because you’ll have to pay it for a claim to go ahead.  
  • Boosting security – if you don’t have the luxury of a garage or private driveway, increasing your car’s security (for example with an immobiliser) could result in a discount from your insurer.  
  • Avoiding modifications – adding features to your car or changing any of its factory settings makes it potentially more expensive to fix – and arguably more desirable to thieves. All this can lead to higher premiums.  
  • Trying a telematics policy – also known as Black Box insurance, these policies base premiums on your driving. A device fitted inside your car will monitor the way you drive, sending the data back to your insurer. If you drive consistently well, you could see premiums fall faster compared to other policies.
  • Adding a named driver – adding a more experienced driver to your policy can lower the cost. Don’t be tempted to say someone else is the main driver instead of you, just to get cheaper cover. Doing that is called fronting and it’s against the law. 
  • Pick a small car – It may seem obvious but a modest model of car with a small engine will help to keep your costs down. As well as being reliable and practical, they’re in lower insurance groups which means cheaper student car insurance. For good examples of these, you can find our recommended list of reliable cars for new drivers.

Can I get temporary student car insurance?

If you only drive occasionally, short-term or temporary student car insurance is an alternative to an annual policy. You get to choose from the same levels of cover, so protection is still the same – it’s just that policies cover a shorter period rather than the usual 12 months. 

Short-term cover is very flexible and you can buy policies for a few days or up to several weeks. The minimum term will depend on the insurer’s own conditions but they’re ideal if you only get behind the wheel when you’re home during the holidays. 

Does car insurance come with student discounts?

Being a student can have its benefits when it comes to car insurance. It’s unlikely you’ll be offered a discount just because you’re a student but comparing quotes does mean you’ll be able to get the best value policy for your needs and budget.

Is car insurance cheaper for students than the employed?

Generally speaking, no, car insurance isn’t cheaper for students compared to someone with a job. This is mainly for the reasons we mentioned earlier, such as age. However, it’s important to remember that insurance policies are designed for individuals and insurers will consider your own circumstances in order to work out a fair premium.

Is an apprentice classed as a student for car insurance?

There’s no straightforward answer to this one and it really depends on the terms set by your insurer. 

Whatever type of policy you opt for, you’ll need to state your main occupation. If you have two jobs, the one you spend more time doing is considered your ‘main occupation’. 

The second job should be shown as your part-time occupation. If you’re an apprentice, you’ll usually be asked to put down the trade or role your apprenticeship is in, then list that you’re a part-time student. If in doubt, speak to the insurer who’ll be able to advise you according to their own guidelines.

Search for cheap car insurance for students in the UK

At mustard.co.uk you can search from over 70 insurance providers which means you can confidently search for car cover that suits you. 

Comparing quotes is also simple and quick, you can do it online or speak to a friendly advisor on 0330 022 8814. Plus, with our Cheapest Price Guarantee*, we promise to beat your cheapest online quote.

 

Cheapest car insurance quote, guaranteed*