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Student Car Insurance

Tips to Reduce Students Motor Insurance

Follow these really simple guides and if you're a student your premiums will be sure to reduce. Never accept the first quotes and get at least five comparative offers.

Get your car insurance online

Most companies will offer enhanced discounts when you buy online. It is usually a saving of at least 10% over what they would charge their regular customers.

Get at least five quotes

Don't make the same mistake as 85% of other drivers. Research shows that Britons waste £1.7 billion every single year by not changing their current supplier or seeking out a better car insurance deal.

Choose the right policy cover

Do you really need Fully Comprehensive insurance? If your car is worth several thousand pound then the answer is probably yes. If you have a cheap runabout, it may not be necessary and basic Third Party cover may well be enough.

Voluntary excess

If you agree to accept a higher voluntary excess (the amount you agree to pay in the event of an accident), the lower your premium is likely to be. Just make sure you can afford to pay the amount should the worst happen.

Avoid modifying your car

Try not to modify your car as will directly affect the rates you will be quoted. For example by adding alloy wheels to a car, that were not standard at manufacture, you could alter the insurance group rating applied to your particular vehicle. The insurers work with the manufacturers so that a particular model of car can be insured to a standard. If you modify your car and don't tell your insurer then you risk not getting paid out if you need to claim.

Make your car more secure

Get a professionally fitted alarm serves two purposes - Thieves will probably not attempt to steal your car in the first place and insurers sometimes offer additional discounts. Always remove any valuables from your car, or hide them away if you have to leave them in the vehicle.

Be truthful

Make sure your application is true to the best of your knowledge. You enter into a contract with an insurer in good faith. If you lie, then need to make a claim, an insurer can refuse to pay out on the policy. Once you have insured your car you must then inform any changes in your circumstances, that may affect your policy, to your covering insurance company. This would include -

  • car modifications
  • moving house
  • points on your driving license
  • other people using your car

Avoid sports cars

If you are student then chances are you're well under 25. After 25 your premiums will start to come down significantly. Until then, you don't want to take your premiums even higher buy owning a sports car. Most small super minis fall into the lower insurance groups - 1 to 4, and most family cars in the 5 - 11 group. Get a car with a small engine that is cheap to run and your car insurance will be more manageable.

Be a careful driver

Being a considerate and careful driver, with a good attitude to other motorists, is the best way to avoiding accidents. You will build up a good history of no claims bonuses and gradually lower your premiums each year.

Student Car Insurance Quotes

Visit our student car insurance quote section to get some very competitive car insurance company information.



Car Insurance: News

  • Ian Crowder: Insurance cover's at a premium with fraud and foul weather
    INSURANCE Premium Tax goes up in January, which will add a further 1 per cent to the generally upward trend in the cost of insurance.
  • Home insurance tops fraud list
    Fraud is adding £44 to the cost of every insurance policy, with the industry uncovering £2.3m worth of bogus claims daily, latest data from the Association of British Insurers (ABI) indicates.
  • J.P. MORGAN SEC.LTD UK Regulatory Announcement: Form 8.5 Brit Insurance Holdings NV
    LONDON--(BUSINESS WIRE)--FORM 8.5 (EPT/RI) PUBLIC DEALING DISCLOSURE BY AN EXEMPT PRINCIPAL TRADER WITH RECOGNISED INTERMEDIARY STATUS DEALING IN A CLIENT-SERVING CAPACITY Rule 8.5 of the Takeover Code (the “Code”) 1. KEY INFORMATION (a) Name of exempt principal trader: J.P. Morgan Securities ltd. (b) Name of offeror/offeree in relation to whose relevant securities this form relates: Use a ...

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