Compare Pay As You Go Car Insurance quotes

Pay As You Go Car Insurance

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What is pay as you go car insurance?

Pay as you go car insurance is a monthly subscription service that’s topped up with charges per hour and mile. Usually, the subscription comes as a rolling contract that’s free to cancel. However, be sure to check the terms and conditions before applying for the policy.

The majority of cars qualify for these policies. There are a few conditions, such as:

  • A car can’t be over 15 years old
  • The car can only have a maximum of seven seats
  • The car can’t operate as a commercial taxi
  • A car needs to have a market value of £40,000 or less

How does it work?

Pay as you go car insurance is charged on a monthly basis. It will be all you pay if your car is parked in the drive or on the road. The subscription charge covers basic fire and theft damage and is calculated using personal details. This might include the size of the car, accommodation and any driving convictions.

You can use an app to keep track of your driving time and top up when necessary. This is where the charges per hour or mile come in.

Who is suitable for pay as you go car insurance?

Pay as you go car insurance could be advantageous for people who drive on an infrequent basis. You could get a cheaper quote, but you should still compare all your options. Young drivers between 17 – 24 could also benefit because they are considered the most accident-prone by insurers. Pay as you go subscription might help them avoid high premiums.

What is car insurance?

Having car insurance ensures you are covered financially if the worst were to happen to your car. This could be damage from an accident, theft, vandalisation and fire damage. It means you won't have to dig into your own pocket to pay for potentially huge repair or replacement costs.

Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of cover you must legally have is third-party car insurance. This would cover the damage to another person's car, for example in a collision accident, but provides limited cover for your own vehicle.

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How much does car insurance cost?

Car insurance is made up of an annual premium. This can be paid in a lump sum or monthly as a direct debit. There are many factors that come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums with Insuro. Get one of our quotesin a matter of minutes.

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