Fulltime student and part-time student car insurance

oliverfdavies

Hi all,

just curious as to the legality of this: AXA lets you get a handy discount on your car insurance if you're a student.

But when you put "Full-time student" as your main occupation you can also put 3rd level Student as "part time occupation" on top of that, yielding a €400 euro saving.

Since it lets you do this, is this a money-saving loophole or downright illegal?
Paying €2.9k versus €3.3k for first time insurance makes it sound tempting.

Unrelated, but they will straight up reject you insurance if you tell them you're a bicycle courier, even as part-time with the Full-time Student as the main occupation.

What do you guys think?

Miscreant

oliverfdavies wrote: »

Hi all,

just curious as to the legality of this: AXA lets you get a handy discount on your car insurance if you're a student.

But when you put "Full-time student" as your main occupation you can also put 3rd level Student as "part time occupation" on top of that, yielding a €400 euro saving.

Since it lets you do this, is this a money-saving loophole or downright illegal?
Paying €2.9k versus €3.3k for first time insurance makes it sound tempting.

Unrelated, but they will straight up reject you insurance if you tell them you're a bicycle courier, even as part-time with the Full-time Student as the main occupation.

What do you guys think?

With such a niche scenario I don't think you're going to get anything other than pure speculation here.

You could always call AXA directly and ask them.

biko

I doubt there is anything illegal going on.
If you can put those selections down, and justify them to Axa, then I think it's probably ok.
As suggested, ring them and ask.

cplwhisper

Axa student 1st scheme is for 3rd level students. It’s 20% cheaper that standard motor 1st scheme sold, but subject to proof of active student in set ‘list’ of colleges/ Univ on Island of Ireland.
No proof then Zero discount thus you’ll either pay the balance or hopefully cancel within the cooling off period of 14-days from inception of policy for full refund of policy and not have a company cancellation case against you.
Ex-staff thus not just waffle.

oliverfdavies

Thanks for replying guys, only saw the notification now.

cplwhisper wrote: »

Axa student 1st scheme is for 3rd level students. It’s 20% cheaper that standard motor 1st scheme sold, but subject to proof of active student in set ‘list’ of colleges/ Univ on Island of Ireland.
No proof then Zero discount thus you’ll either pay the balance or hopefully cancel within the cooling off period of 14-days from inception of policy for full refund of policy and not have a company cancellation case against you.
Ex-staff thus not just waffle.

Yes, I'm a 3rd level student, but will the proof of me being a student be enough to say I'm both a full-time and part-time student at the same time? And therefore get €400 cheaper insurance?

jimmycrackcorm

oliverfdavies wrote: »

Thanks for replying guys, only saw the notification now.



Yes, I'm a 3rd level student, but will the proof of me being a student be enough to say I'm both a full-time and part-time student at the same time? And therefore get €400 cheaper insurance?

It's like anything you fill in for a quote. I can give an occupation that makes my quote lower. That's all well and good until you make a claim and then they begin to question if your details are correct, and refuse a claim. You'd have to show that your both a full-time student in something and then part-time in something else.

cplwhisper

oliverfdavies wrote: »

Thanks for replying guys, only saw the notification now.



Yes, I'm a 3rd level student, but will the proof of me being a student be enough to say I'm both a full-time and part-time student at the same time? And therefore get €400 cheaper insurance?

PM me please as need to clarify more info.
I’m not current staff so not trying to sell you anything.
Help is just that - help is free