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Fulltime student and part-time student car insurance

  • 07-01-2021 5:29pm
    #1
    oliverfdavies
    Registered Users Posts: 6 ✭


    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?
    Tagged:


Comments

  • #2
    Miscreant
    Registered Users Posts: 2,190 ✭✭✭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.


  • #3
    biko
    Registered Users Posts: 81,223 ✭✭✭✭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.


  • #4
    cplwhisper
    Registered Users Posts: 797 ✭✭✭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.


  • #5
    oliverfdavies
    Registered Users Posts: 6 ✭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?


  • #6
    jimmycrackcorm
    Registered Users Posts: 14,326 ✭✭✭✭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.


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  • #7
    cplwhisper
    Registered Users Posts: 797 ✭✭✭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


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