Cheap Student Car Insurance in UK ?

Nowadays, a university education become more and more expensive, with the costs of tuition, student accommodation and living costs- so the added expense of car insurance is the other thing which is necessary.

But you don't need to worry yourself and switch to a budget diet of just beans on toast just yet; as there are things you can do to make your car insurance for students as cheap as possible without compromising on cover.

Is Student Car insurance expensive all over the world?

Students are classified as a group that are statistically more likely to make a claim on their insurance than older drivers. It is happen probably because students tend to be young people with limited driving experience in road. Therefore, they are more likely to be involved in an accident. Or, it could be also because they tend to live in areas in which crime rate is high.

Consequently, student car insurance premiums tend to be higher than average as the insurance companies need to offset the risk of paying out.

But there's no getting around it, car insurance is a legal requirement for all UK drivers - no matter how tight their budgets may be, so students need to work harder than many drivers to get the best possible price for the cover they need.

How can I get cheap car insurance for students?

Of course, you absolutely want to invest in some more extra security for your car protection if it's going to be parked in a high-crime area. One of economical solution to protect your car by using Industry-approved steering wheel locks and immobilizers which can reduce the possibility of your car being stolen and a claim being filed, so they can lower your premiums.

Another solution, you could also choose a black box insurance policy, where the insurer will put a small 'black box' to your car in order to measure how much you drive and also monitors your driving style, rewarding safe and infrequent drivers with lower premiums.

If you have not yet bought a car, remember that more expensive and powerful cars will cost more to insure because they're more likely to be involved in a claim for damage or theft.

In addition, third party fire and theft (TPFT) policies can be cheaper than fully comprehensive policies, but remember: they only cover the cost of damage to other people and property, and not your own vehicle. This might be fine if your own car isn't worth very much, but only if the difference between TPFT and comprehensive cover is small.

Another cool tips is adding older, more experienced drivers to the policy as named drivers which absolutely can reduce student car insurance premiums, as the more drivers there are on your policy, the less time you'll spend behind the wheel - at least in theory. However, you must never have an older more experienced driver 'front' your policy for you - but more on that in a moment.