Rated as 4.5 as of 11/11/2025 on Google
Rated as 4.5 as of 11/11/2025 on Google
Features & Benefits Of Our Car Insurance For Students
If you’re a university student, aged between 17 and 25, and are trying to find Student Car insurance quotes that will give you protection but won’t take up all of your budget, then make sure you get in touch and get a quote from us! There’s a black box, but no curfew – just great rates for students looking for a great price for their Car insurance. Get a quote today!
Student Car insurance is designed for university students who are looking for the right level of cover at the most competitive price. Young drivers end up paying more for their insurance premiums than older drivers do due to limited driving experience and no claims bonus, and those who are moving away from home to live at university, whether in halls of residence or private rented accommodation, can find their premiums increase further due to the perceived higher risk based on their inner city locations – so a specialist product designed especially for university students could help reduce the cost you could face.
Being a student, due to your potential inexperience on the road and your age combined with insurance industry statistics involving young drivers and insurance claims, you are deemed to be a much higher risk then older, more experienced drivers. Likewise, because most universities and their student accommodation are located within or close to city centres, where insurance claims and risk of property damage is often far greater, most insurance providers will charge more to cover this risk, or may even refuse to provide insurance altogether.
A student car insurance policy will usually acknowledge that the vehicle is going to be parked in communal parking areas or car parks, usually overnight, and accounts for the risk associated with this.
Policies can usually be spread across a number of payments to help with the affordability – particularly as you are likely working towards a budget. Policies may come with a range of additional/optional features depending on the insurer, such as low mileage discounts, legal expenses, breakdown cover, windscreen cover and protected no claims bonus.
Student Car insurance is available in three levels of cover; Third Party Only, Third Party, Fire & Theft and Comprehensive cover. Third Party Only is the cheapest form as it will only cover damage to any third parties involved. Then there’s Third Party, Fire & Theft which will also do the same but you will have the added benefit of covering you if your car gets stolen or receives any damage as a result of a fire. Comprehensive is the most expensive type of cover, as it includes all of the above as well as covering your own vehicle against any damage.
If you are a university student looking for a cheaper car insurance premium then this is for you. It will typically benefit people that are 25 years and under who are looking for a policy with no mileage restrictions, no curfews and no telematics box. It’s built to complement student life and limit implications that can affect your daily routine. As a student, you are likely to have your car parked in various shared or communal areas around campus and with a standard Private Car insurance policy this would likely increase your premium further. The Student Car insurance policy recognises this fact however and rates your premium accordingly without making cover unaffordable.
Insurance is required by law, and it is mandatory to have at least the very basic form of cover which is Third Party Only. Many students are living on a budget and would not be able to replace their car if something were to happen to it. If this sounds like you, and you would want to have the comfort of knowing that your car would be replaced if something happened, then you should consider a Third Party, Fire & Theft or Comprehensive insurance policy, as these would provide varying levels of cover for your car. At least then, if the worst were to happen, you could replace or repair your car using your insurance. If your car is low in value and having it replaced through your insurance is not a requirement, then a Third Party Only policy would make sure that any personal injury claims from members of the public, or third party property damage claims would be covered by your policy, taking care of your legal obligations.
From a lifestyle point of view, a student policy may be better for you than a standard young driver or telematics policy as it doesn’t impose any restrictions around mileage, time of day driven or curfews, which some telematics policies can. With a Student Driver car insurance policy you could have all of those worries put aside leaving you to focus on the more important aspects.
As a student, you may have found finding Car insurance difficult and expensive, but we can help you get cover sorted. We’ve worked hard to develop a policy that is designed specifically for students, rewarding careful drivers with cheaper renewal premiums, and offering discounts for low mileage. There’s a black box required, and we take in to account a number of factors to find you our best rate, including your age, driving and claims history, and location of the university or college you are a student at. We also offer flexible payment options to help spread the cost of your policy throughout the year. Our best Student Car insurance policies can benefit from the following features:
There are a number of other ways you could save on your Car insurance, by making a few changes, including:
The car you choose to drive can have a big impact on your insurance premium. For example, an older vehicle that has a low value may in fact cause your insurance premium to rise due to perceived less care about the vehicle, whereas people with a high value vehicle are far more likely to be careful with their car. However, on the flip side, due to age and often limited driving experience, if you choose to drive something that is very expensive or powerful, this can also have a negative impact on the amount you will pay, resulting in an increased premium. So, by looking at what you drive, you can help reduce the cost of cover.
Ensuring that your vehicle is safe is a priority to an insurer. Therefore, different levels of security can have different impacts on the amount you pay. This includes things such as where your vehicle is parked, it’s overnight location, plus if it has any additional alarm systems or tracking devices fitted.
The number of miles you purchase can lower your premium. If you are able to reduce your weekly journeys you may find yourself saving on your premium by not buying unnecessary miles. However, if you end up doing more miles than you thought you might, this can result in you having to pay an additional premium to top up your mileage limit on your policy, so be careful, and be as accurate as you can when deciding how many you’ll need.
Are you still looking for more reasons to get a Student Car insurance quote from Think? No problem, here are some additional features and benefits of our Car insurance for students:
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Whether you're a seasoned policyholder or new to the insurance landscape, our curated resources will help you make informed decisions.
You can add Windscreen cover to your Motor Trade insurance policy.
Your driving performance score is based on a combination of three factors; smoothness, speed and usage.
There are two main components inside the black box that we use to monitor your statistics: A GPS tracker and an accelerometer.
You will be able to start seeing your driving performance via your dashboard, within 24 hours of having the black box installed and activated.
In your Young Driver portal you will have access to several key pieces of data on your driving.
You can give your parents your login details so that they can access your portal. However, the policy is in your name so the choice is all yours.
When calculating your Young Driver insurance premium we have to take a number of things into consideration, not just your car’s value.
There is no extra cost; the cost of the box is factored in to your total price, including fitting.
We offer flexible monthly payments but we require an initial deposit of 25% of your total premium.
We won’t increase your insurance premium due to bad driving, but you could receive a fine or have your policy cancelled if your driving is not acceptable.
Give us a call and get your enquiry answered by one of our team members.