Student car insurance

Special student car insurance does not exist. Nevertheless, it is certainly possible to get car insurance as a student. It just has to be feasible to afford a car and car insurance in addition to an expensive study. In addition, students do not have their age in mind. In fact, car insurance is not cheap for students. This is because young people under 24 have to pay significantly more for car insurance thanks to a premium surcharge. In addition, there are often additional requirements for young people who want to get car insurance. It is therefore important to compare different car insurance policies carefully in order to make a good choice.

Car insurance for students

Car insurance for students under 24 is generally more expensive than for students 24 and older. Age is therefore a factor that determines premiums. Statistics show that young people are more likely to cause damage and be involved in an accident. This explains the difference in premium. Age is not the only factor considered when determining the amount of the premium. The premium also depends on the type of car and what power the car has. A new or (more expensive) sporty car is often more difficult for young people to insure.

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Claim-free years students

The number of claim-free years helps determine the premium for a car insurance policy. As long as you don't file any self-inflicted claims on the car insurance policy, you will build up claim-free years. The more claim-free years you build up, the more discount on the premium you get. For students, the discount by building up claim-free years is usually not yet noticeable. Young people have few or no claim-free years. They therefore miss out on this premium discount.

Car insurance in parent's name

Often young people who want to get car insurance think it is smart to get their car insurance in their parents' names. This can indeed save on premiums. Although when taking out insurance, they will be asked who the regular driver is. If one of the parents indicates that this is one of their children, the insurer bases the premium on that. As a result, you will still pay a higher premium. When parents hide the fact that their child is the regular driver, this can have serious consequences. This is because in this case, insurance fraud is committed because incorrect information has been provided to the insurer.

Make sure that the car is then also in the name of one of the parents. In fact, the car insurance must always be in the name of the owner of the car or his or her partner.

Need help getting insurance? We would be happy to help you! Please contact us at telephone number 088-6883700. . We can be reached Monday to Friday from 08:00 to 18:00.