Why choose Adrian Flux?
- Non-restrictive black box insurance with no curfew can help you save up to 60% on your next renewal
- Find affordable quotes that aren’t available through comparison sites
- Car insurance can be tailored to suit your needs and budget
Get a Student Car Insurance Quote
What is student car insurance?
Student car insurance is just like most other types of insurance, except it caters to the needs of young drivers. Whether you need cover while you’re at university or during the holidays while you’re back at home, car insurance for students can help you save money.
Affordable car insurance for students
Higher education is full of costs, so we understand that you’ll likely want to save money on your car insurance. We offer FluxScore, a black box policy that almost makes you forget that you even have a black box. Unlike other telematics policies, FluxScore doesn’t give you a curfew, but it does reward you for safe driving and lets you see your daily progress and savings, with some young drivers even saving up to 60% on their next renewal. That’s more money you can spend on enjoying student life.
Get a Student Car Insurance Quote
Do I need student car insurance?
Yes – anyone who’s planning on driving on public roads must have a valid insurance policy, and students are no exception. If you’ve already got a policy in place, you won’t need additional insurance, but you’ll need to tell your insurer about any changes in address or occupation.
For those who don’t currently have insurance in place but are going to start using their car when at uni, student car insurance is ideal for you. This type of cover can be a fairly affordable option.
Extra Benefits
Agreed Value
Agreed Value Car Insurance
Owning a car that you really care about makes it all the more important to get proper compensation should you need to make an insurance claim. Our agreed value car insurance is a great way of tailoring your insurance to you.
A wide range of vehicles, from classics and performance cars to modified cars and imports, would benefit from guaranteed value car insurance. Phone us now to see if your car is one of them.
Company Car NCB
Company Car No Claims Bonus
Many insurers are unwilling to accept bonuses earned in company cars on private car policies, which can leave drivers unfairly paying over the odds for insurance, despite their many years of claim-free driving.
At Adrian Flux, we work with insurance companies that accept company car no claims bonus to help you get a fair deal on your private car insurance.
Once we receive confirmation from your employer or ex-employer of how many years company car insurance no claims bonus you earned, we can apply an equivalent discount to the insurance quote for your own car.
Excess Protect
Excess Protect
Even though having the right insurance can save you money when you need to claim, your policy excess could still run into hundreds of pounds.
Our excess protect policies will pay your excess for you, up to an annual limit, if you need to make a claim on your policy – saving you money.
The amount of excess you have to pay depends on your policy and can be found on your policy documents. If you opted for a voluntary excess this is an extra amount on top of your compulsory excess, which can bring your premiums down, but is payable on top of your compulsory excess when you make a claim.
We offer excess protect cover at different levels to suit your policy. Speak to a member of our team to find out more and to add it to your policy.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Keycare
Keycare Insurance
If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.
For just a year, our five-star Keycare insurance policy will cover locksmith expenses, replacement locks and keys, car immobiliser replacement costs, car hire costs, and transport costs if you’re stranded, up to a value of £1,500.
We’ll pay out if your keys are stolen, locked inside your home or vehicle, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.
For more information and to add Keycare to your policy, speak to a member of our team today.
Misfuel
Misfuelling Insurance Cover
A staggering 400 people every day put the wrong fuel in their car – that’s 150,000 people every year!
The damage caused by filling your car or van up with the wrong fuel can be catastrophic, and lead to hundreds, if not thousands, of pounds worth of repairs being carried out.
With misfuel cover, as long as you’ve realised your error before driving away we’ll cover draining the fuel from your car, tow you to a garage if we can’t help at the pump, and provide £10 of fuel to get you on your way again.
Public Liability
Public Liability Car Insurance From £19.99
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Spare Parts
Spare Car Parts Insurance
Whether you own spares for your kit car or are in the process of modifying your day-to-day motor, are collecting parts for a future mod or have just got a few old spares lying around, your standard insurance policies could be leaving your vehicle spare parts dangerously unprotected.
Sadly, most household insurance policies exclude cars and their unattached parts, and even those that do offer cover could end up costing you dearly with high excesses and the premium rises after a claim.
But, with Adrian Flux’s Spare Parts Insurance, you can get cover for storing thousands of pounds worth of spares at home or in your car from as little as .
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
How to get affordable car insurance as a student
Between paying for your own meals, going to parties and buying exorbitantly expensive textbooks, you might find yourself looking for inexpensive car insurance. We have a few tips up our sleeve for how you can get more affordable car insurance:
- Ring around: don’t just rely on comparison sites; ring around too. Some affordable alternatives only operate over the phone. Did you know, for example, that almost 80% of customers who got an online quote in January 2020 could have found more affordable insurance with us?
- Add extra security features: Thatcham-approved dash-cams and trackers can help reduce your insurance premiums.
- Choose a car that’s affordable to insure: we have a list of the cheapest cars to insure for 17-year-olds. Classic cars are a surprisingly affordable option.
- Get black box insurance: whilst you might have heard that telematics devices are too restrictive, options like FluxScore are a good alternative.
- Join a car club or forum: Did you know that we offer up to 15% off your premiums if you’re a car club or forum member? Just let us know when you speak to us and we’ll apply it to your quote. Most car clubs are pretty affordable, so it works out in your favour.
- Pass extra qualifications: as a young driver, you’re general viewed as a higher risk to insurers. Passing extra driving courses with PassPlus, IAM and RoSPA can help prove that you’re a safe driver.
- Let us know if you drive limited miles: if you drive fewer than 7,500 miles, you could be eligible for a limited mileage policy, which is often cheaper than standard insurance policies.
- Consider short-term cover: if you’re only using your car temporarily, whether this is during the holidays or during term-time, getting short-term student insurance can work out cheaper than paying for an annual policy.
Get a Student Car Insurance Quote
Tailored student insurance policies
As a specialist insurance broker, we aim to make our policies as flexible as possible. That’s why we offer a range of optional benefits, meaning you can essentially tailor your insurance policy to suit your needs and budget. Some of the extra benefits we offer include:
- Excess protection: young drivers’ excess is often set quite high, which means that if you do need to make a claim, you might struggle to foot the bill. With excess protection, even if you do need to make a claim you will be reimbursed the excess.
- Keycare: around a quarter of car owners lose their keys at some point – or lock them in the car. If this happens, we’ll send out an engineer to help you get back into your car.
- Breakdown cover: breaking down on the road or at uni can be a traumatic experience, especially for young and inexperienced drivers. Our breakdown cover ensures you get help as and when you need it.
- Personal accident cover: if you’ve been injured in an accident, this type of cover can help you get the recompensation you deserve.
- Agreed value cover: we can come to an agreement about the value of your car, which will be paid to you in the event of a total loss.
- Cover on modifications: we offer like-for-like cover on modifications, so if you’ve altered your vehicle let us know.
- Windscreen cover: as they are susceptible to wear and tear, windscreen cover can help prevent a small chip from getting out of hand.
FAQs
Is an apprentice classed as a student for car insurance?
This is entirely dependent on your insurer. Make sure to clearly explain what you do to your insurer and they’ll make sure your policy is correct.
Do I need to tell my insurer if I’ve moved?
Yes. If you’ve already taken out insurance for your vehicle with us but you’re moving to live closer to your university, let us know and we’ll update your address. It’s also important that you let us know of any change in occupation, such as becoming a student, as this will affect your premiums too. It often even works out in your favour!