Temporary Student Car Insurance
Cheap Short-Term Cover for Students
If you’re looking for cheap, temporary, comprehensive student insurance, then Veygo has the best car insurance option for you.
Flexible, short-term and comprehensive cover
Insure yourself or borrow a car
Quick quotes and instant cover
What is temporary student car insurance?
Student car insurance is a short-term car insurance policy aimed at drivers who are still in education – designed to reflect how, and how often, they use the insured vehicle.
Our temporary student car insurance is a flexible insurance option designed to reduce the prices for students looking to tighten their purse strings.
Whether you’re making trips to and from university or borrowing a family car during the holidays, temporary student car insurance is the perfect solution for students wanting to avoid the unnecessary costs that come with longer-term policies.
Temporary student car insurance allows you to get insured hourly and weekly, so there’s no need for a long-term commitment.
When might students need short-term car insurance?
Student car insurance is a great way to maintain your independence while studying. Being temporary and short-term, a student policy also helps to keep car insurance costs down. Students might need temporary student insurance when:
Moving home or travelling back to university
During holidays and when staying with family
Borrowing a friend or family member's vehicle
In the event of an emergency
What's covered with a temporary student car insurance policy?
Our complete range of fully-comprehensive temporary car insurance protects you against:
- Accidental damage
- Fire and theft damage
- Standard accessories and spare parts
- Any permanently fitted audio/visual equipment
- Lock replacement
- Liability to other people
- Windscreen damage
What’s not covered:
- Unattended & keys in ignition
- Taking your car out of an impound
Who's eligible for temporary student car insurance?
If you’re interested in getting a cheap, short-term student car insurance policy, get a quick quote with Veygo and be on the road in minutes.
Why is car insurance more expensive for students?
Car insurance policies are calculated based on risk. The riskier the driver is deemed, the higher the annual or monthly premiums. Typically, the drivers with the highest risk are young and inexperienced.
Because the majority of students are aged 17-24 and have less driving experience, they are often burdened with high costs.
For example, one in five drivers crash or have an accident in their first year of driving, while young male drivers aged 17 to 24 are four times more likely to crash and be injured on the road than those aged 25 and over.
Younger drivers make up a significant proportion of accident statistics, despite making up one of the smallest percentages of road users – often due to their age and inexperience.
While not all young drivers are reckless, these statistics are used by underwriters when they draft policies. Unfortunately, this often means higher prices for all students across the board.
How can you get cheaper car insurance as a student?
Allowing you to decide the length of your cover, from one hour to one month, our temporary cover allows you to get cheaper car insurance as a student – helping you to save when living on a student budget.
There are other steps students can take to cut premiums and appear less risky to insure in the eyes of underwriters. These include:
Choosing the right car – One risk factor that underwriters consider is the car itself. Large models with higher-performance engines are a more significant risk to insurers than compact cars with modest engines – making premiums more expensive. Picking a car with a smaller engine can dramatically reduce the cost of monthly or yearly repayments.
Avoid cars with modifications – Modifications can cause a couple of problems. They make the vehicle more expensive by increasing its value and subsequently increasing the value of the insurance.
Secondly, aftermarket parts that have been improperly fitted are linked to a 27% increased chance of an accident – which isn’t unnoticed by underwriters. Drivers with modifications may face extremely high insurance costs as a result, so avoid them to keep premiums down.
Leverage additional qualifications – Qualifications help grow faith in drivers from the perspective of insurance underwriters. Driving courses – like the Pass Plus scheme – lower insurance premiums for drivers as they’re seen as less of a risk on the road.
Consider alternative policies – Policies with tracking – known as ‘Black Box‘ insurance – dramatically reduce premiums provided the onboard data analytics demonstrates safety on the road.
Why Choose Temporary Student Car Insurance by Veygo?
At Veygo, we know that students can sometimes be stretched financially. We believe you shouldn’t have to forego your right to be on the road because of the financial burden.
Whether you need one hour, daily or monthly car insurance, our temporary student insurance options guarantee you’ll only ever pay for what you need.
Why not get a quote and get started on your journey today?
Temporary Student Car Insurance FAQ's
I'm a mature student, can I still get student car insurance?
Yes, you can.
Provided you can prove you're a student and present suitable identification, you're eligible for our student car insurance – no matter how old you are.
Can I drive any car with a student car insurance policy?
As long as you have the owner's permission – and the vehicle is taxed and has a valid MOT and fits our underwriting criteria – you can get behind the wheel using temporary car insurance.
Which of my two addresses should I use for my student car insurance?
When applying for student car insurance, you should use the address where the car spends most of its time.
For example, if you live far away from home and the car spends more time at your university accommodation than at home, register the vehicle there.
Can I be added to my parent's car insurance?
Some policies allow for multi-car insurance – meaning you can be covered under their policy.
Alternatively, you can be a named driver under your parent's cover. However, it's crucial to note that this can increase the cost of the existing insurance policy, so be wary when making the switch.
If you’re looking to simply borrow a parent’s car from time to time, it may be more convenient and cost-effective to look at temporary car insurance policies. This only covers the driver for when they actually use the vehicle.
Can students get temporary insurance on their own car?
As long as the vehicle is roadworthy, taxed and has a valid MOT certificate, students are more than welcome to insure using temporary car insurance policies. This can even prove cost-effective for those who don’t use their vehicle every day.
I want to share the driving, but will it affect the car owner's no-claims bonus if I claim?
No. Our student temporary car insurance provides you with your own separate insurance for the car. So, any claims you make won’t affect the car owner’s no-claims bonus and they won’t need to declare it on their insurance.
Are there any restrictions on the short-term student car insurance?
Unfortunately, there are limitations on who can access our student cover options.
Some key things to note are:
- We only cover students aged 17 and over with full GB licences.
- If you're a student aged 17-21 and seeking cover, you'll need to have held the licence for at least 6 months.
- We don't offer policies to cover cars over 40 years old
How do I cancel my student car insurance policy?
If you've decided to switch policies – or you don't need your current policy anymore – cancelling it and getting back any money you're owed is quick and easy.
Follow these easy steps to cancel your insurance policy.
- Sign in to your Veygo account
- Click into your account from the top right-hand of the screen
- Go to Purchases
- Select "View" on the policy that needs cancelling
- Click "Cancel policy" inside the Actions box
- Click "Cancel policy" in the popup
If you cancel your policy before it gets underway, you'll receive a full refund.
If your policy has started, we'll recalculate a new refund amount based on the time elapsed and send you the new amount within 10 days.
Does temporary car insurance show up on askMID?
Yes, any active policies you have through Veygo will appear on your askMID dashboard.
However, don't worry if you can't view them right away. It can take up to a week to show on the Motor Insurance Database.
How can I contact Veygo?
If you need help with something or have a question, please visit our Help Centre, where we have lots of information about our full range of car insurance options.
If you need to make a claim, we have useful information on making a claim in our Help Centre.
What's the shortest or longest time I can use temporary student insurance?
Our insurance options last between 1 hour to 60 days for temporary car insurance and 1 hour and 180 days for learner driver insurance – letting you customise an amount of insurance coverage that suits how much you drive and saves you money.
If I want to go on a road trip abroad with my friends, does my temposrary student car insurance policy cover me?
Our comprehensive cover extends to driving in England, Wales, Scotland, and Northern Ireland*. However, when driving abroad, your policy will cover the minimum level of cover needed for the country that you're driving in.
*If your Northern Irish licence is a 6-digit licence unfortunately, we do not offer cover.