University students can save on car insurance
Higher education already comes with its fair share of costs, so adding expensive car insurance to the list is something no student driver wants to do. Reduce the cost of driving while at university or home for the holidays by only paying for cover you really need, thanks to temporary student car insurance.
Why is car insurance more expensive for students?
Most students are likely to be new to driving. It’s this inexperience that causes car insurance prices to be more expensive as new and inexperienced drivers are statistically more likely to have an accident and therefore make a claim.
Students are also likely to be driving less often than more experienced drivers as most students don’t take their car when they go off to university. If you’re driving less frequently, you won’t be gaining that crucial experience that helps you feel confident behind the wheel and become a safer driver.
The lack of driving experience, lack of regular driving, and historical statistics of students having accidents all add up to expensive insurance premiums as insurers look to cover the cost of the increased chances that you’ll make a claim.
Unfortunately, students will find that traditional car insurance doesn’t get much cheaper until around the age of 25. This is usually the time when insurers reduce prices plus, you’ll hopefully have been building up your No Claims Discount for a few years.
Do students get cheaper car insurance?
Yes and no. Generally, students will be less experienced and younger drivers, and that means they’ll be hit with higher-than-average premiums. But if they only need to use the car every now and then, or a few weeks a year, they could get a much cheaper deal by opting for short-term car cover instead.
Many students leave their car at home when away at university. But they’re often still paying for annual car insurance, whether on their own vehicle or as a named driver on a parent’s policy.
On average, young drivers (17-to-24 years old) drive less than half the distance of those aged 25 and over, with only around 10% of those being students who drive to a place of education*.
It’s safe to say that if you’re away at university, you’re not likely to drive very much, if at all. You may be paying thousands of pounds for cover when you’re only going to be driving a few weeks a year.
But while you may not want to pay for a year’s worth of cover, you’ll probably want to get around during the holidays.
It’s often said you can’t have the best of both worlds, but with temporary student car insurance, you really can.
What is the cheapest car insurance for students?
As most students won’t need to use a car all year round, temporary cover rather than an annual policy will be the cheapest option.
You may not have been driving very long and that lack of experience means you’re probably shelling out thousands of pounds a year in car insurance.
Insurers measure the risk of a driver based on a number of factors, one of the most important being your age and driving experience.
With lack of experience may come accidents. And despite young drivers (17-24 years old) making up just 12% of all drivers, they are involved in a quarter of all car accidents.
This means cheap car insurance for students is hard to get. That’s why short-term student car insurance policies like ours are so crucial. We’re able to help keep the cost down by offering you cover only when you really need it.
Can I get cheap temporary student car insurance?
Students can find cheap temporary student car insurance quotes with Tempcover in just 90 seconds. We work with a panel of insurers to ensure we can provide cover to a wide range of drivers, including students to help you save time and money on your insurance.
We’re confident we provide cover if you meet the following acceptance criteria:
To get temporary car insurance cover, you must
To get temporary car insurance cover, your car must
|Be aged 17-78 years old
||Be valued between £1,500 and £65,000
|Hold a UK or EU driving licence
||Be in a roadworthy condition with a current and valid MOT (unless you are using the insurance policy to take the vehicle to a pre-booked MOT)
|Have been a permanent UK resident for the last 12 months or a British expatriate
||The vehicle must be taxed (unless you are using the insurance policy to obtain tax for the vehicle immediately after purchase)
|Have no more than 7 licence points in the last 3 years
||Not be modified in any way except for those designed to aid disabled drivers
|Have not been disqualified from driving for the last 2 years
||Be a right-hand drive car
|Have had no more than 2 fault claims in the last 3 years
||Have no more than 8 seats
|Have no criminal convictions
||Not be declared SORN
|Not have had a previous policy of insurance declared void by an insurer
Please be aware that each insurer on our panel has its own eligibility criteria and so you should pay close attention to their Proposer’s Declaration.
Temporary car insurance for students from Tempcover
Tempcover is proud to be working with top UK insurers to offer a temporary student car insurance scheme specifically designed to help university students who want to be able to use a vehicle when they’re home from uni.
Get student car insurance for the holidays or term time with our flexible policy durations
The policy is ideal for university student drivers who have access to a parent or other relative’s car during half terms and holidays, as cover is flexible to suit your needs.
Available from 1-28 days at a time, temporary car insurance for students lets you pick the duration that works for you without tying yourself into a long-term contract. It also means you don’t have to install a black box and app that tracks and monitors where you go and how you drive.
So, if you need a few days’ insurance over Easter, or a few weeks during the summer, we’ve got you covered.
Protect no claims discount
Many parents or relatives may be reluctant to let you drive their vehicle. That’s not only because of the reputation of young drivers, but also the risk that they could lose the No Claims Discount they’ve spent years building up.
But with a short-term policy they don’t have to worry because, through our short-term student car insurance, the No Claims Discount of the primary insurance holder is protected.
This offers complete peace of mind to you and the person whose car you’re borrowing.
Save you time
Not only could temporary student car insurance save you money, but it could also save you time. Your busy student life is full of deadlines, studying and meeting friends, so the last thing you want is to spend time on the phone applying for insurance or adjusting an existing policy.
With Tempcover, everything is quick and easy and getting a quote takes just a couple of minutes. Once you’ve got your quote, you can be covered instantly if you want to be, or you can simply choose the date and start time you want and then your cover will begin then.
How to get cheaper car insurance as a student
Finding cheap insurance for students can be difficult, but not impossible. Here are just a few tips to help you find cheaper car insurance and save money.
- Only pay for the cover you need – If you’re only driving during breaks from University, the best way to get affordable car insurance for students is with temporary car insurance. It’s insurance that’s designed to help students get the cover they need without having to pay for expensive annual cover. If you’re borrowing a car choose temporary student car insurance to find cheap insurance for students.
- Don’t drive at all – Obviously, this is the ultimate way to avoid expensive car insurance, but for many student drivers, leaving your car at home while at university is the best way to ensure you’re not paying for expensive insurance when you just don’t need it. When you do need to drive, at home for the summer or going on holiday with friends, get a quick and easy temporary student car insurance policy and you’re covered to drive for just the time you need.
- Insure a low cost and more practical car – Most students are on a budget when it comes to choosing their first car. With high-end models off the table, you should opt for a smaller, less-powerful car that’s in a low insurance group and therefore a cheaper car to insure. This will not only make your insurance much cheaper but if you do have an accident, the cost of repairs or replacement will be more manageable.
- Avoid vehicle modding – We know you want to express yourself, and for many students, a car is the first bit of true freedom you get, but be careful with exactly what you do to your car, as car modifications can damage your premium. Insurers like anything that makes your car more expensive or if parts are not manufacturer standard as these are more costly to replace.
- Enhance your car security – Ensuring your car is secure, both in terms of alarms and where you keep it will give your insurance provider a bit more peace of mind when calculating your premiums. To cut costs further, try adding in a tracker, immobiliser, and of course a dashcam.
- Advanced driving courses – As we all know a lack of experience is the biggest cause of increased insurance for students. By completing an advanced driving course such as Pass Plus, you’re showing your insurance provider that you’re more experienced and this should help you get more affordable car insurance as a student.
- Choose the right level of cover – As strange as it may seem, opting for the lowest level of cover (third-party only) can actually be more expensive than fully comprehensive cover. As so many drivers chose the lowest level of cover to save money, it meant that insurers were paying out more for TPO policies than other levels of cover. You will almost certainly find that choosing fully comprehensive cover is the best way to keep costs down.
- Choose extras carefully – Of course, it’s important to get the cover you want, but a great to get cheap car insurance for students is to avoid unnecessary extras and only choose the add-ons you really need.
Exclusive temporary car insurance for students
To make sure that temporary student car insurance – whether you’re 18-21 or a mature student – is affordable, we’ve created this policy for university students only. To get a temporary student car insurance quote, you must be:
- a university or mature student with a valid university email address
- home from university wanting to drive a parent or other relative’s car.
If this doesn’t sound like you or you’re looking for car insurance for international students, we may still be able to cover you through our standard car scheme or expats cover. If you’re a student but are learning to drive, we can provide flexible learner driver insurance for any private lessons you need with friends or family while home from uni.