Compare car insurance and get the right cover when you’re studying.
If you’re taking your car with you to university or college – or if you’re leaving it at home during term-time and will only be driving it during the holidays – you’ll need to make sure you’re correctly insured.
Anyone who drives a car on the road is required by law to have third party car insurance as a minimum.
This covers damage and injury you cause to other people, their vehicle or property. It doesn’t cover costs relating to your own vehicle.
There are three levels of car insurance. It’s worth comparing quotes for all three levels of cover as comprehensive can often be cheapest, even though it provides the most protection.
This is the minimum level of cover required by law. It covers damage or injury you do to other people, their cars and property when you are driving. It won’t cover any damage to your own car.
Also adds cover for your car if it’s stolen or damaged by fire.
This extensive cover includes everything included in TPFT as well as repair or replacement costs if your car is damaged or written off, even if it was your fault.
If you own and drive a car, you need motor insurance.
However, if you won’t be using your car for an extended period of time – for example if you’re studying away from home and aren’t taking your car with you – you do have the option to register it as ‘off the road’ with a Statutory Off-Road Notification (SORN). You can do this online or by ringing the DVLA.
Once your car has a SORN, you can stop insuring and taxing it.
You will automatically get a refund of any car tax due to you. But you’ll need to contact your car insurance company to cancel your policy and to let them know you’ve made a SORN. How much you get refunded will depend on the terms of your policy.
With a SORN, your car cannot be parked on a public road. Instead, it must be kept in a garage, on a drive or on private land. No one can drive the car when it has a SORN. The only exception to this is if the car is being driven to a garage for a pre-booked MOT appointment.
As soon as you want to get behind the wheel and drive your car again, you must tax and insure it.
It’s usually only worth cancelling your car insurance policy if you don’t intend on driving for a lengthy period, not just a few months. If you’re not driving during term-time, but intend to use your car when you come home during college holidays, for example, then it’s probably not worth cancelling.
You’ll stop building up your no-claims discount and cancelling a policy (especially if you do it frequently) can sometimes mean your premiums go up when you decide to renew.
As a student, you don’t get particular discounts when taking out car insurance.
But, like any driver, there are plenty of things you can do to help keep costs more affordable.
These include taking out telematics, or black box insurance. And being careful about the type of car you choose to drive. Smaller, less powerful cars, for example, usually cost less to insure.
It can be, because most students are aged between 17 to 25 and are classified as ‘young drivers’.
Statistics show that young drivers are more likely to have accidents and to make claims on their insurance. They’re therefore seen as more of a risk, so the price of car insurance policies usually reflects this.
Even mature students can see their premiums go up because they may be put into the student risk category, regardless of age and driving experience.
Prices are also high for many students because they’re often inexperienced, new drivers, so won’t have had time to build up many years of no-claims discount.
Where you live can also hike up the price of your policy. Universities are often in busy cities and towns, some of which have higher crime rates. Cars parked overnight on the street in these types of areas will cost more to insure due to these risks.
Claiming on your car insurance is stressful enough, without the added cost of your excess – and we want to help with that.
If you do need to claim, you'll have to pay your excess first, and then we'll refund up to £250 after your claim's settled.
It really is free. We haven't hidden the cost anywhere.
^Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.
Our tips could help keep the costs down:
If you pay monthly you’ll usually be charged interest. So if you can afford it, pay the full amount at the start.
Black box, or telematics insurance, monitors your driving through a device installed in your car. Driving well and responsibly could see you rewarded with lower premiums.
You may be offered all sorts of policy extras – like driving abroad cover, or courtesy car cover. But only add what you really need, as extras increase the cost.
Taking an advanced driving course, such as the Pass Plus scheme, not only increases your road knowledge, awareness and safety, it might also result in lower insurance premiums.
A modest car with a small engine might be all you need as a runabout. These sorts of cars are in lower insurance groups, which means cheaper car insurance.
If a parent or friend with more experience drives your car, adding them to your policy as an additional driver might reduce your premiums.
Cars that have been changed from factory standard are considered high-risk by insurers.
Keeping your car as secure as possible from break-ins or theft can lower the cost of insurance. Check with your insurance provider if fitting an approved alarm, tracker or immobiliser – if your car doesn’t already have one – could reduce premiums.
Insurers always ask for an estimate of yearly mileage when they calculate premiums. People who do low mileage are deemed less of a risk because they’re on the road for less. So, if you only intend to use your car when you’re home for the holidays and won’t be racking up high mileage, you could get cheaper insurance.
Sometimes called pay-as -you go insurance, this type of policy could save you money if you don’t drive much and you’ve been quoted high premiums as a young driver. A tracking device is fitted in your car and you get charged for each mile or hour you drive on top of a fixed annual or monthly rate that covers the car against damage and theft while it’s parked. People who drive less than 6,000 miles a year might find this type of insurance works out cheaper.
Getting a quote for student car insurance is easy. You’ll need to provide:
Students typically pay more for their car insurance, mainly due to their lack of experience behind the wheel. But don't even consider lying about it to your insurer - that's fraud and could invalidate your cover completely"Ryan Fulthorpe - Motoring expert at GoCompare
Fronting is claiming that a more experienced driver, like a parent, is the main driver of a car, when really it’s mostly driven by a high-risk motorist, like a student or young driver.
It’s usually done to get lower premiums, but it’s a type of fraud and will invalidate your car insurance.
However, if you’re a student still living with your family at home and you use their car from time to time, you can be listed as an additional driver on your parents’ car insurance.
The same applies if you’re a student living away and you only want to use your parents’ car when you’re visiting home.
You must tell your insurer the address where the car’s kept most of the time.
If you’re a student, that’ll most likely be your term-time address, whether that’s in halls of residence or a privately rented student house.
There are more risks with keeping your car in a busy, student-populated area, so your car insurance might be more expensive than if you listed your hometown address.
But putting the wrong address down can void your cover. If you’re uncertain about which address to use, it’s a good idea to contact your insurer and explain the situation.
In circumstances when you only need to use a car occasionally – borrowing your parents’ car when you’re home for the holidays, for example – then short-term or temporary car insurance might be a cost-effective way to get covered.
Temporary car insurance policies can last anything from a few hours to several weeks, and usually offer comprehensive cover.
If you need to make a claim on the short-term cover, the no-claims history of the car’s owner won’t be affected.