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 either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is taken out, monthly premiums will require a deposit and a monthly 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.
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What is pay-as-you-go car insurance?
Pay-as-you-go car insurance is a monthly subscription service topped up with charges per hour and mile. Usually, the subscription comes as a rolling contract that’s free to cancel. However, 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 needs to have a market value of £40,000 or less.
Pay-as-you-go car insurance is charged every month, and it will be all you pay if your car is parked in the drive or on the road. The subscription charge covers elemental fire and theft damage and is calculated using personal details, and 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.
Why opt for PAYG car insurance?
Pay-as-you-go car insurance could be advantageous for people who drive infrequently. You could get a cheaper quote, but you should still compare all your options. Young drivers between 17 – 24 could also benefit because insurers consider them the most accident-prone, and Pay-as-you-go subscriptions might help them avoid high premiums.
Note: SEOPA has provided this insurance comparison tool. Insuro.co.uk and novi.digital isn’t responsible for the contents of the comparison you receive. Not all insurance providers offer this type of policy or coverage.
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