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Cheap car insurance for students

Product guides

Cheap car insurance for students

Affordable car insurance for students

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What is student car insurance?

Student car insurance is a great insurance option for students who need cover that’s more flexible and cost-effective. You get cover when you need to drive without having to commit to an annual policy – which can be incredibly expensive for students.

When you need to use a car at weekends or during holidays, choose cheap car insurance for students and you only pay for the time you want.

From just 1 hour up to 28 days at a time, you can a policy to suit your situation.

Why is car insurance more expensive for students?

Most students are likely to be new to driving. It’s this inexperience that causes car insurance prices to be more expensive as new and inexperienced drivers are statistically more likely to have an accident and therefore make a claim.

Students are also likely to be driving less often than more experienced drivers as most students don’t take their car when they go off to university. If you’re driving less frequently, you won’t be gaining that crucial experience that helps you feel confident behind the wheel and become a safer driver.

The lack of driving experience, lack of regular driving, and historical statistics of students having accidents all add up to expensive insurance premiums as insurers look to cover the cost of the increased chances that you’ll make a claim.

Unfortunately, students will find that traditional car insurance doesn’t get much cheaper until around the age of 25. This is usually the time when insurers reduce prices plus, you’ll hopefully have been building up your No Claims Discount for a few years.

How to get cheaper car insurance as a student

Finding cheap insurance for students can be difficult, but not impossible. Here are just a few tips to help you find cheaper car insurance and save money.

  • Only pay for the cover you need – If you’re only driving during breaks from University, the best way to get affordable car insurance for students is with temporary car insurance. It’s insurance that’s designed to help students get the cover they need without having to pay for expensive annual cover. If you’re borrowing a car choose temporary student car insurance to find cheap insurance for students.


  • Don’t drive at all – Obviously, this is the ultimate way to avoid expensive car insurance, but for many student drivers, leaving your car at home while at university is the best way to ensure you’re not paying for expensive insurance when you just don’t need it. When you do need to drive, at home for the summer or going on holiday with friends, get a quick and easy temporary student car insurance policy and you’re covered to drive for just the time you need.


  • Insure a low cost and more practical car – Most students are on a budget when it comes to choosing their first car. With high-end models off the table, you should opt for a smaller, less-powerful car that’s in a low insurance group and therefore a cheaper car to insure. This will not only make your insurance much cheaper but if you do have an accident, the cost of repairs or replacement will be more manageable.


  • Avoid vehicle modding – We know you want to express yourself, and for many students, a car is the first bit of true freedom you get, but be careful with exactly what you do to your car, as car modifications can damage your premium. Insurers like anything that makes your car more expensive or if parts are not manufacturer standard as these are more costly to replace.


  • Enhance your car security – Ensuring your car is secure, both in terms of alarms and where you keep it will give your insurance provider a bit more peace of mind when calculating your premiums. To cut costs further, try adding in a tracker, immobiliser, and of course a dashcam.


  • Advanced driving courses – As we all know a lack of experience is the biggest cause of increased insurance for students. By completing an advanced driving course such as Pass Plus, you’re showing your insurance provider that you’re more experienced and this should help you get more affordable car insurance as a student.


  • Choose the right level of cover – As strange as it may seem, opting for the lowest level of cover (third-party only) can actually be more expensive than fully comprehensive cover. As so many drivers chose the lowest level of cover to save money, it meant that insurers were paying out more for TPO policies than other levels of cover. You will almost certainly find that choosing fully comprehensive cover is the best way to keep costs down.


  • Choose extras carefully Of course, it’s important to get the cover you want, but a great to get cheap car insurance for students is to avoid unnecessary extras and only choose the add-ons you really need.

Can I get cheap temporary student car insurance?

Students can find cheap temporary student car insurance with Tempcover in just 90 seconds. We work with a panel of insurers to ensure we can provide cover to a wide range of drivers, including students to help you save time and money on your insurance.

We’re confident we provide cover if you meet the following acceptance criteria:

To get cheap car insurance for students, you must

To get cheap car insurance for students, your car must

Be aged 17-78 years oldBe valued between £1,500 and £65,000
Hold a UK driving licence, an EU or International driving licenceBe in a roadworthy condition with a current and valid MOT (unless you are using the insurance policy to take the vehicle to a pre-booked MOT)
Have been a permanent UK resident for the last 12 months or a British expatriateThe vehicle must be taxed (unless you are using the insurance policy to obtain tax for the vehicle immediately after purchase)
Have no more than 7 licence points in the last 3 yearsNot be modified in any way except for those designed to aid disabled drivers
Have not been disqualified from driving for the last 2 yearsBe a right-hand drive car
Have no more than 2 fault claims in the last 3 yearsHave no more than 8 seats
Have no criminal convictionsNot be declared SORN
Not have had a previous policy of insurance declared void by an insurer

Please be aware that each insurer on our panel has its own eligibility criteria and so you should pay close attention to their Proposer’s Declaration.

How do I get cheap student car insurance with Tempcover?

When you need to use a car for a few hours, days, or weeks, choose Tempcover and get affordable car insurance for students in just 90 seconds.

Just follow these 3 simple steps and you can get covered and on the road in no time.

 Enter a few details about yourself and the car you want to drive

Confirm you’re happy with the price and details of your policy

Pay for your policy and get your documents emailed instantly


The cover you need for the duration you want

Full cover,
no impact

Get fully comprehensive cover on our standard short term policies - plus it won't affect your no claims discount

Hourly, daily, weekly

Choose the duration you want with 1-12 hour and 1-28 day cover available - don't pay for cover you don't need

All customised, nothing added

Customise your policy to suit your specific situation - get the policy you want and even choose the minute you want your policy to begin

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