Student car insurance

A special student car insurance does not exist. However, it is possible to get car insurance as a student. However, it has to be feasible to pay for a car and car insurance next to an expensive study. Besides, students do not have their age along. Car insurances are not cheap for students. This is because young people up to 24 years old have to pay considerably more for car insurance due to a premium surcharge. Also, there are often extra requirements for young people who want to take out a car insurance. Therefore it is important to compare car insurances in order to make a good choice.

Car insurance for students

Car insurance for students up to 24 years of age is generally more expensive than for students aged 24 and over. Age is therefore a factor that determines premiums. Statistics show that young people cause more damage and are more often involved in an accident. This explains the difference in premiums. Age is not the only factor taken into consideration when determining the level of the premium. The premium also depends on the type of car and its power. A new or (more expensive) sports car is often more difficult to insure for young people.

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Claim-free years students

The number of claim-free years also determines the premium for a car insurance. As long as you do not submit any claims for car insurance due to your own fault, you build up claim-free years. The more claim-free years you build up, the more discount you will get on the premium. For students the discount by building up claim-free years is usually not yet noticeable. Youngsters have little or no years without claims. They miss out on the premium discount.

Car insurance in name of parents

Young people who want to take out car insurance often think it is smart to take out their car insurance in their parents' name. This can indeed save on premiums. However, when taking out an insurance policy, they do ask who the regular driver is. If one of the parents indicates that this is one of their children, the insurer will base the premium on this. This means you will still pay a higher premium. When the parents conceal the fact that their child is the regular driver, this can have serious consequences. In this case, insurance fraud is committed because the insurer has been provided with incorrect information.

Make sure that the car is registered in the name of one of the parents. The car insurance must always be in the name of the owner of the car or his/her partner.

Do you need help with your insurance? We will gladly help you! Please contact us via telephone number 088-6883700. . You can reach us Monday through Friday from 08:00 to 18:00.