Student driver UK motor insurance

Student drivers can get cheaper UK motor insurance now by earning a no claims bonus as a named driver on their parents car. This is only available from Directline for the moment but in the future other motor insurance companies may follow

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Over 20% of UK students own a car, and they all need insurance. Insurance protects you, your car, and others. Like other young drivers, students face large insurance premiums at the start of their driving careers.

Best ways of getting cheaper student motor insurance are

• Buy a car from a low insurance group, usually small engine and not too old
• Do not make any modification to the car
• Add Thatcham security category 1 alarm or cat 2 immobiliser, if not already fitted
• If your parents are with Direct line ask to be included as a named driver
• Shop around as much as possible, follow up recommendations
• Compare and buy online for an extra discount
• Do not have an any driver policy, just yourself or add a parent.
• For cheap cars go for third party only or third party fire and theft
• Increase your voluntary excesses in addition to any compulsory excess

The 3 categories of motor insurance are

• Third Party Only, covers the policyholder against damage to a third party's property or to the third party themselves, a Third Party Only policy will pay for the repair to that other car, and will pay for any medical claims or injuries suffered by the occupant(s) of that other car and any passengers in your car other than you. A Third Party Only policy will not pay for the costs of repairing your own vehicle nor will it pay anything toward your medical expenses and if your vehicle is stolen or sets on fire, a Third Party Only policy will not make any payment toward the theft or repair of the car.
• Third Party Fire & Theft, exactly the same as the Third Party Only policy, but will also pay out in the event that your car is stolen or sets on fire.
• Fully Comprehensive, will pay-out for third party damages and injuries, will pay-out in the event of your car being stolen or set on fire, and will also pay for any damage to your own car (regardless of whose fault the accident was).