Temporary Student Car Insurance

Daily, Weekly or Flexible Pay as You Go car insurance for students to share a parent’s car

Insure a car for the exact amount of time you need it.

Temporary Car, Van & Learner Driver, insurance quotes from Insurance providers including

Tailored quotes from a panel of temporary car insurance NI Specialists

Can students get temporary car insurance?

The good news is that most providers of temporary car insurance now also offer attractive insurance terms for the student population in both NI and the UK. Marmalade was one of the first to see the gap in the market for providing cheap insurance to students. In 2015 A statement from Marmalade read along the lines of "Any NI or UK student going to University will now be able to get temporary insurance cover on a parent’s car". Other providers including Goshorty were soon to follow. Now, a wide choice exists in the student temporary car insurance market. Choice means competition and competition drives down the price for student short term car insurance, all good new for students,

What's the cheapest car to insure for a student? 

If you perform a Google search on cheapest cars to insurance for students, you will get a mixed bag of results, so we have selected 3 cars that always feature in the top cheapest car to insurance for students and young drivers.

  • Ford Fiesta  – this is the standard excess, which is applied to all claims, except subsidence and escape or water, which carry their own compulsory excesses.
  • Volkswagen Polo
  • Vauxhall Corsa
  • Kia Picanto
  • MG3
  • Renault Twingo

Most if not all these cars reside in group 2, so if you are looking for the cheapest car to insure, and you are a young driver, select a car from group 2 or even group 3. 

Is car insurance cheaper at 18 than 17?

Car insurance will be slightly cheaper at age 18 over age 17 given same car and same driving history. If you are 17 the only form of temporary car insurance available is learner driver insurance. Student car insurance is available for students from any age starting from 18 and ending at 75. As they say, it is never too late to learn new skills.

Why is Student Car insurance expensive?

Students tend to be young age 18 to 25 and this is also the age group that pose the higher risk o insurance companies, as a result student will mostly paying more for temporary car insurance than older drivers.

This also the car for standard car insurance for drivers age 18 to 25. At the age of 25 you will find that car insurance gets cheaper as a result of having gained experience and if you have been able to build up a decent no claims discount over the previous years.

What is the cheapest car insurance for students?

Students are mostly at University studying and having some fun, and most will leave their car at home, if they own a car. So really they are only using their car during the holidays. In this scenario taking out student temporary car insurance rather than annual cover may be the cheapest options, It really is a pay as you go type of insurance aimed for occasional use. 

Student discount car insurance

Whilst you may search for student discount car insurance, offers will come and go, and it is always best to compare multiple insurance providers to find the best deal on student car insurance in NI and the UK. 

Student car insurance two addresses

It is fairly common for a student to have a home address and a term time address when they are at university or college.  When prompted for an address you should sue the address that the car will be mostly during the week, if you have an option to add an additional addres sthen also add your parent's home address if that is the second address.

Temporary car insurance for non-students

Goshorty provides short term car insurance, both students and non students. Protect your car or insure yourself on someone else’s. It is easy with Go Shorty and the duration can be anywhere from 1 hour to 30 days. Their great value cover is available to buy in minutes, so click ‘get a quote’ to be transferred to GoShorty's website.

4 ways to reduce student car insurance

We have listed 4 ways that students can find the best deal on student car insurance. Apart from these, deciding on accepting a higher excess can also bring down the cost of cover, but remember that you will need to pay this amount out in the event of a claim before the insurance element will kick in. So if you agree a cover of GBP500 and the repair cost is GBP490 then you must pay the full amount.    

  • Temporary vs Annual Policy Compare : Consider temporary student car insurance over taking out an annual policy
  • Low insurance Group : Buy a car that is in one of the lower insurance groups.
  • Avoid Modifications : Any modifications must be made, shared with any perspective insurance provider. In addition, if you are considering making a modification you must notify the policyholder in advance 
  • Security :  Discuss with your insurance provider on options to install extra security devices to reduce likelihood of theft, as this can often lead to a reduced insurance premium for both young and older driver
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