Do I require car insurance as a college student?

If you’re planning to take your car along to university or college or take it home during the term and only driving during the holiday season, it is important to ensure that you’re insured.

Anyone who drives a vehicle on the roads is legally required to carry third-party auto insurance at an absolute requirement.

This will cover injuries and damage that you cause to others and their vehicles or property. This does not cover expenses related to your vehicle.

What are the different kinds of insurance for cars?

Three levels of auto insurance. It is worth looking at the quotes for the three levels of coverage since comprehensive insurance is often cost-effective, but it also offers the greatest security.

Only Third Party

The minimum amount of insurance that is required by law. It will cover any injury or damage caused to other drivers and their cars and properties when driving. The policy doesn’t protect against any damages to your vehicle.

Third-party theft, fire, and (TPFT)

It also provides protection for your vehicle in the event that it is damaged or stolen in a fire.


The comprehensive insurance package includes everything included in TPFT and repair or replacement costs if your vehicle is damaged or deleted, regardless of whether it was your fault.

Do I have to cover my car when I’m not driving it?

If you are the owner of and operate your own vehicle, you’ll need motor insurance.

If you’re not going to use your vehicle for a long period, such as if you’re enrolled in a course in a different location and not traveling by your car, it is possible to have the option of registering it as being off the road’ by submitting the Statutory Off-Road Notice (SORN). It can be done online or by calling the DVLA.

When your car is registered with SORN that you have to take it off the market, you are no longer taxing and insuring it.

You’ll receive an automatic reimbursement of any tax you owe. However, you’ll have to notify the insurance company of your car to end your policy and notify them that you’ve filed a SORN. The amount you’re able to get back will be contingent on the policy’s terms.

A SORN vehicle, is not allowed to be placed on the road. It must instead be kept in a garage in a drive or on private property. It is not possible to drive the car if it is registered with a SORN. The only exception is when the vehicle is transported to a garage to attend an appointment for an MOT that has been pre-booked.

When you are ready to take the wheel and drive the car for the second time, it is necessary to tax and make sure you are insured.

It’s generally the case that you should cancel your automobile insurance policy when you aren’t planning to drive for a long time, not just for the duration of a few months. If you’re not planning to drive in the summer, but you plan to drive to get home for the holidays during college, for instance, it’s not worth deciding to cancel.

The discount will stop accruing. Discounting on no-claims and canceling your policy (especially when you are doing it often) may result in having the cost of your insurance increases whenever you decide to renew.

Do students receive an insurance discount for their cars?

If you’re a student, you aren’t eligible for any discounts when you purchase car insurance.

However, just like every driver, there are plenty of ways you can take to keep your costs affordable.

This includes taking out telematics as well as black-box insurance. Be aware of the kind of vehicle you drive. Cars that are smaller, less powerful like the ones above, typically are less expensive to insure.

Are car insurance premiums more costly for students?

It could be because most students are aged between 17-25 and are classed as “young drivers.”

Statistics indicate that young drivers are more likely to be involved in accidents and make claims to their insurance. This makes them riskier, therefore, the cost of insurance policies for car owners generally reflects this.

Even mature drivers may be liable for higher premiums because they could be placed in the risk category for students regardless of age or the amount of driving experience.

The prices are too high for students as they’re typically inexperienced and new drivers and won’t have accumulated many years of no-claims discounts.

Your location can increase the cost of your insurance. The universities are usually located in bustling urban areas and more dangerous towns. Parking overnight cars on the street in these locations will be more expensive to insure because of the risks.

How can you get lower-cost student car insurance?

These tips can help you reduce costs:

  • Pays annually
  • If you make payments monthly, you’ll generally incur interest. Therefore, if you’re able to pay it, you should pay the full amount initially.
  • Try using telematics

The black box, also known as insurance with telematics, monitors your driving habits through the device inside your vehicle. A safe and responsible driving style can result in lower rates.

Do not add unnecessary items.

There are different types of insurance extras, such as driving abroad insurance and courtesy car coverage. Only add the things you truly require, as additional charges can increase the price.

Do you need to take an advanced driving class?

A driving school that is advanced like The Pass Plus scheme improves your road skills and your awareness of safety and security, it can also result in lower insurance costs.

Avoid modification

Vehicles that have been modified from factory standards are deemed high-risk to insurers.

Security solutions

Making sure your vehicle is as secure as is possible from burglaries and theft can reduce costs for insurance. Ask your insurance provider whether to install an approved alarm, tracker, or immobilizer – if it does not have one already will lower your premium.

Find out about pay-per-mile insurance.

Also known as pay-as-you-go insurance, this kind of policy could help you save money if you don’t often travel and have been offered higher rates as an aspiring driver.

Keep mileage low

Insurers will always request an estimate of the annual mileage before they calculate premiums.

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