Cheap car insurance for students

Whenever, you hear about "student" car insurance, you tend to look forward to the basic car insurance cover for the car.

As a young student car driver, you are likely to have many other things to pay like tution, accommodation, travel, books, shopping costs including other your entertainment fees, phone bills and such an endless list! So you need to work out a student budget and adher to it.

Many insurance companies have come up with the tailore-made budget student car insurance plans for the Students that will fit your needs.

You should consider things like

1. Surfing on the net? Only surfing the insurer does not guarantee a cheap and good car insurace. You need to shop around for the best deals because you may hace specific requirements which other drivers might not have.

2. Type of car: If you have a less powerful car, you definitetly can forward to budget student car insurance.

3. Car insurance cover requirements: If you are too bothered to leave a chunk of money from you personal account managing other expenses, you may set your requirements by insuring a car worth less than £5000 on third party fire and theft. (comprehensive car insurance costs dearly). And this will lower your premiums (see how to lower the premiums further). You can add on the covers later on as you need.

4. No claim bonus: Further you can reduce your premiums, if you don't claim and keeping your track clean.

Related posts-

No claim discount

Female car insurance

How to cut the car insurance cost

10 tips to avoid the auto theft

Stolen car insurance claim- few tips

Cheap short term, temporary car motor insurance

Short term car insurance-

What is Short term car insurance:

Short term insurance, is a temporary insurance policy.

Who looks for Short term car insurance:

You may look for the temporary car insurance cover in following cases-

• when you are on a holiday or you have an an additional vehicle
• you buy a new car and still you are looking forward to the best deals for full car insurance
• your old insurance policy has lapsed and the new one has not been renewed
• you may want driver to driver your car
• you yourself may want to drive another car
• to drive courtsey car in case your car needs repairing
• to deliver a car

Benefits of Short term car insurance:

• The process takes less time as compared to your full car insurance cover
• Additional car and new car can be placed in the same policy
• One can thake the short term policy even if one has his/her long term policy
• Many times, new short term policy is cheaper as compared to changing your long term policy to short term cover
• No claim bonus- your short term insurance does not affect the No claim bonus of your long term insurance
• Foreign- depending on your insurer, your have foreign travel cover also

Disadvantages of Short term car insurance:

• The short term insurance cover is bit expensive as compared to the full long term insurance policy
• Services are limited in the short term insurance cover.

Short term car insurance is indeed not a replacement or substitute to the long term full car insurance.

Few useful links:

No claim bonus

Cheap female car insurance

Stolen car insurance claim- few tips

How to cut the car insurance cost

10 tips to avoid the auto theft

Women's car insurance: Things you should consider

Looking for the special offers on cheap car insurance for women?

There are tailored cheap car insurance for women especially for you and including various services.

Definitely, you can avail the great deals and discounts on Women's car insurance.

While choosing the offer on Women's car insurance you may consider -

Handbag cover - You can get the motor insurance on personal belongings in the car unto certain limit (based on the offer) eg your handbag, mobile phone or other shopping.

Lower premiums – you might get an advantage in case of less expensive accidents (esp for female) in addition to your younger age bracket. You might directly go for lower premiums.

No claim discount – Massice offers upto even 75% are available if you are claim free and if you have taken women’s car insurance online.

Friendly repairers - In case your car needs repairing, you can look forward to the female friendly services related to garages and body shops.

Keys theft cover – In worst case your handbag is stolen and your car keys are inside the car, you might pay for locks to be replaced up to a maximum certian limit. (Also see stolen car insurance)

Child car seat cover – You might get the replacement for your child car seat in case of its loss, damage.

Priority assistance in an emergency - Women in a vulnerable situation, emergencies are treated as a priority with some insurers.

FREE courtesy car - When you are claiming and your car needs repairing, you might get FREE car till your car gets repaired.

Counselling after an accident - Depending on the insurer, there are various services 'after meeting an accident'

Mobile phone locater service - If you are involved in an accident in an unknown location, your insurer may use a mobile phone locator service to track your whereabouts.

Including your partner - You can also include your partner on your car insurance policy depending on the insurer's plan.

Always compare policy features along with the price structure to ensure you are getting the right women's car insurance policy to fit your needs.

Related posts-

No claim discount

Stolen car insurance claim- few tips

How to cut the car insurance cost

10 tips to avoid the auto theft

No-claims discounts: save your money

No Claim Bonus

Those who are looking for the budget car insurance can consider “no claims discount”, which significantly reduces the cost of you car insurance premiums.

The basics behind no-claims discounts:

Car insurance premiums are based on an assessment of risk which is why expensive for young drivers because of lack of proven record.

If you have never made a claim before or you have driven for few years without making a claim then a car insurance company can consider you as a safer driver and as such
will charge you less for cover. Also you are rewarded points for not making a claim through a no claims bonus which reduces your premiums.


Your discount is usually calculated as a percentage of your premium and can be built up year after year up to a certain limit - usually 65 - 70% depending on the insurance company.

The maximum number of years you can build a discount for will also vary, but will generally be set at five.

Tips to avoid making claims:

Sometimes you can afford paying for minor damages rather than making the claims and so are you marching towards “no claim discount”.

Related posts-

Female car insurance

Stolen car insurance claim- few tips

How to cut the car insurance cost

10 tips to avoid the auto theft

Car insurance for young drivers, teenagers, under 25

Teenagers find it difficult to get the best cheap young driver car insurance deal with low premiums for some reasons.

So it’s better shopping around and comparing the young driver motor insurance quotes from different companies specialising in younger drivers. Get the best quotes online and compare them.

1. Why young drivers insurane rates are costly

According to statistics, young drivers are three times more likely to get involved into an accident than an old driver because they lack the driving experience and hence risk prone to the accidents. Also the young drivers have limited or no driving record to get the good driver discount. (see female car insurance advantages)

2. How can young drivers keep car insurance premiums low

• Consider buying small car model with no modifications required. If the car is of older model you insurance rates can be reduced by more than 50%
• Take pass plus test: Insurers may give you discount if you complete this driving course
• Your no claim bonus will benefit you getting discounted future premiums

3. What types of car insurance are available for young drivers

Low premiums do not mean poor coverage.

There are many coverage types. Young drivers can start with the low premiums first and then go for modifications later.

Young driver should consider knowing the insurance policies available.

Related posts-

No claim discount

Stolen car insurance claim- few tips

How to cut the car insurance cost

10 tips to avoid the auto theft

10 tips to avoid the auto theft

Worst ever experience, your car is stolen! And then you start reading your insurance cover, which you probably have never done before. Further to my previous post regarding the claiming the stolen car insurance, here are few tips to avoid getting burned.

1. Theft protection devices are not enough: Don't think theft protection vehicle is enough to protect the auto theft. Expert experienced thieves can easily unlock your car.

2. Parking: Park your car in an area that is well-lit and near lots of people or in attended lots. People most of the times, park the car in area where no one can see the car they think, but they invite the thieves in a way.

3. Take your keys: Nearly 20% of all vehicles stolen have the keys in their cars. Or don't even keep your extra keys in your car.

Lock the car: Approximately 50% of all vehicles stolen were left unlocked. Lock it even if it's parked at your own parking.

4. You display and you pay: Keep valuables in your car hidden.

5. Use emergency brake: Emergency brake makes your car harder to tow.

6. Mechanical locking device: You can buy this to lock the steering wheel, or an auto theft alarm system will also do.

7. Disconnect either the battery from the distributor cap if you are planning not to use car for few days. Thieves might not be interested in diagnosing why the car does not start.

8. Don't leave car registration and insurance card your car: Your stolen car will be easier to sell for thieves. You can carry alongwith you instead of keeping them in your car.

9. Consider car models while going for new car: Few cars have higher incidences of car thefts.

10. Vehicle Identification number (VIN): Etch VIN on your car doors and major parts. Car becomes easier to trace.

Related posts-

No claim discount

Stolen car insurance claim- few tips

How to cut the car insurance cost

10 tips to avoid the auto theft

Stolen car insurance claim- few tips

As promised in my last blog post related to car accident insurance claim , I am back with some handy tips for your stolen car insurance.

Yes, so you realised finally, your car has been stolen and fortunately no insurance premiums are due. It’s time to take a call.

Consider the points below

• You must inform the police immediately. Speedy actions are crucial, because car might be mishandled by thief. It can be driven far away from the city. And there will be further delay in theft insurance claim.
• Inform your car insurance broker/company
• Know your insurance policy. See if you are covered for a replacement rental car if your car is stolen Ask your car insurance company, how much time will be required to resolve your claim in this case.
• Insurance company try to gain time few times to allow police to investigate further about stolen car recovery. Because you don’t need insurance in case your car is recovered back as it was.
• Meanwhile if you find your vehicle let your insurance company and police know about the car details and the whereabouts.

What if the thief meets an accident while driving you stolen car

You are not responsible for it for obvious reasons.

What if your car payments are due

Car financing companies may expect the payments before your car insurance claim is resolved. In case of delay in your case, the overpayment of the car payments and the insurance premiums can be rebated with the interest.

What if your personal property in car is stolen or damaged

Again check your policy, under a comprehensive policy, you might get certain amount may be covered though not the full, may be around £150.

Why get into all this when probably you can minimise the chances of your auto theft...Coming up next.

Related posts-

No claim discount

How to cut the car insurance cost

10 tips to avoid the auto theft