Car insurance whilst at university

SKIPPY

Hi All, My DD is off to university in September, which is when her car insurance is due for renewal. She wont be taking her car with her but will want to use it or a car when she comes home in the holidays and occasional weekends. Obviously we would like to take the cheapest option possible, does anyone know of any insurance companies who will insure students just for when they are home as alot of the time the car will be just sat on the driveway.

Any help would be gratefully received.

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SKIPPY wrote: »

Obviously we would like to take the cheapest option possible.

The cheapest option is not to insure the vehicle.

I believe CIS offer quite cheap insurance for youngsters.

Insurers generally like to insure people on an annual basis. Their statistics are mainly calculated using annual (or rolling annual) data. Insuring a vehicle temporarily - if that's what you're getting at - isn't a very sensible option as it will prevent the accumulation of no claims discount. Plus the fact that temporary cover will almost definitely work out more expensive.

Generally speaking it wouldn't make any sense for an insurer to operate the sort of policy you require, since it probably wouldn't be profitable, and it would seem that there isn't a lot of demand for it - otherwise such policies would be available.

(y)

krystal-divination

The company i work for actually ask if you are student and live away from home part of the year and once that option is put in the premium will be lower than if they were working full time and living at home the whole time.

Or you could ask about laid up cover, but the car must be stored in a garage while on laid up cover.
you still have to pay the premium, and as long as the laid up period exceeds 30 days when you put the car back on the road then a refund for example 75% is given back.

I expect it depends on the insurance companies policy as to what's available and how much refund they will give in respect of laid up cover if available.

but maybe something worth thinking about.