Student Driver Insurance
You’ve passed your test, but you’re heading to university soon. Maybe you’re at uni already and fancy a road trip in the holidays – what should you do about getting out and about when you’re back at home and want to see people?
Borrowing a car
If you have already passed your test, then you may want the flexibility of borrowing a friend’s or family member’s car temporarily during the holidays. This is a viable option and would give you some additional freedom that you don’t get from being reliant on lifts or public transport – but get their permission first!
Getting insured as a student driver
Borrowing a car doesn’t mean just grabbing the keys and heading out – not only will the owner need to be happy for you to use their motor, but you’ll also need to be insured to drive, so get this in place before you’re needing to get behind the wheel!
There are a couple of options that you can look into, when you’re getting insurance to borrow someone else’s car:
- Being a named driver - this means that are named on the owner’s policy, and would cover you as long as you are not the main driver throughout the year. If you only wanted cover for a short period, you will need to check the terms of the policy and if any additional charges for cancelling cover after a short term.
- Short term insurance cover - with a temporary policy, you can be insured to drive someone else’s car for a short, specified amount of time. This would be separate to the owner’s main car insurance, in your own name.
No way of borrowing a car?
If all else fails, put some cash aside for bus fares, or thank-you coffees and lunches for your mates when they give you lifts!
You can get a quote for Student Driver Insurance from Marmalade.