Student Car Insurance
Car insurance for students
We know that, for college and uni students, car insurance can seem like a complicated and unwelcome distraction from your studies and social life. But it can also offer you invaluable independence and flexibility.
Our student car insurance gives you the freedom to drive your own car, on your own policy. We can insure a wide range of makes and models and we’ll do everything in our power to help you find the cover you need at a price you’re happy with.
As a broker, we do most of the hard work for you, in that we shop around to find you the best deal we can. We work with a panel of providers, which means we are not just A Choice when it comes to car insurance for students. We are the choice.
Learner insurance benefits
- Start building your no-claims bonus.
- No curfews. drive when you want.
- Friendly call centre to help answer your queries
- 24 hours, 7 days a week claims helpline.
- Flexible payment options.
- Wide range of optional extras.
Does being a student make car insurance more expensive?
Generally speaking, the answer is yes. Most college and university students are under 25 and car insurance is typically more costly for this demographic. That’s because younger drivers are seen as higher risk by insurance providers.
This may feel like an unfair assumption but there is data to support the theory. A recent release from the Department for Transport revealed that 17-to-24-year-olds accounted for 17% of all driver casualties in Great Britain in 2023.
Even if you consider yourself a perfectly safe and responsible driver, providers will class you as more likely to be involved in an accident – and at a higher average claim cost – so, as a student living at or away from home, your car insurance premium is likely to be higher.
How to lower the cost of car insurance as a student: The expert's view
Why A Choice are THE choice for student car insurance
- For 25 years, we’ve been helping our customers find the cover that suits them.
- During that time, we’ve sold more than one million insurance policies.
- We partner with a panel of the UK’s top providers to find you the best deals we can.
- All our customers are treated as individuals, with respect and without judgment. That’s at the heart of our values.
- We always work to the highest ethical standards. We’re members of the British Insurance Brokers’ Association and we’re authorised and regulated by the Financial Conduct Authority.
FAQs about car insurance for students
There are three main types:
- Fully comprehensive – The highest level of protection. You will be covered for damage to your and someone else’s car. You’ll also be insured if your vehicle is stolen or suffers fire damage.
- Third-party, fire and theft – You will only be covered for damage you cause to someone else’s vehicle or property, or if your car is stolen or damaged by fire. You will not be insured for other accidental damage to your car.
- Third-party only – You will only be covered for damage to someone else’s car or property.
Even though fully comprehensive offers the most robust protection, it can actually work out the cheapest. But the most important thing is for you to figure out what level of insurance is going to suit you and your needs.
Yes, we can help you find student van insurance, covering a wide variety of makes and models.
Yes. The registered address on your insurance must match that on your driving licence. If not, you could risk a fine and invalidating your policy so, if you’re moving to a new student address, you’ll need to notify your car insurance provider and apply to the DVLA to change the details on your licence. This can be done free of charge.
As a young driver or a student, your previous car insurance may have been as a named driver on your parents’ policy. This is a good short-term option if you’re living at home and only using the vehicle occasionally. If you’re a student living away from home, though, your car insurance needs to reflect that you are the main driver. Pretending otherwise is known as ‘fronting’ and is essentially a type of fraud that could land you with a criminal record.
Get car insurance for students with A Choice
We’re a specialist broker with 25 years of experience helping young drivers and students find the car insurance that works for them. If you have any questions, please feel free to get in touch via email or by calling 0330 127 4500.
This page was last reviewed in November 2024.