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Pay as you Drive

Our new and exclusive insurance, putting you in
the driver’s seat

Our Pay as you Drive policy puts you in control of your insurance costs, as you’re only required to pay for the miles you drive and a fixed-price parked-up charge – it’s as simple as that.

There’s no fuss – just great perks and the chance for you to save money on your car insurance.

As far as insurance goes, this is a pretty nifty product. Given the current climate, and the fact that many of us are using our cars less often, a ‘pay as you go’ insurance policy is a no-brainer – just think about how much you could save!

Of course, with this being a new product, we understand you’re likely to have a few questions. So we’ve answered our most Frequently Asked Questions below. Why not take a read and see how we can help!

Is Pay as you Drive a cheaper option for car insurance?

With Pay as you Drive, the price you pay is fully dependent on the amount of miles you drive. So, if you’re driving less – you’ll pay less. It is important to consider that it may not be a cheaper alternative, if you’re using your vehicle for business or commuting purposes.

Can anyone join Pay as you Drive?

In theory yes - as long you and your vehicle meets the necessary acceptance criteria. It is also worth noting that not all vehicles are compatible with the tracking device.

How does Pay as you Drive work?

As the name suggests, Pay as you Drive is a ‘pay-as-you-go’ insurance policy, in which you only get charged for the miles you drive plus a nominal parked up charge. The parked up charge covers your vehicle for things like theft, fire and vandalism whilst it is parked up.

When choosing Pay as you Drive, you will be sent a pocket-sized mileage tracker in the post. You’ll need to install the device into your vehicle within 7 days of receiving it, so that we are able to track your mileage.

In month one you'll pay a nominal fee (don't worry this will be confirmed before you purchase a Pay as you Drive policy). You'll only start paying for the miles you drive every month thereafter.

If, at any time, the device is uninstalled, we will ask you to reinstall it. If after further correspondence we are unable to see that this has been reinstalled, you will be reverted back to a standard policy and we will notify you via post and email.

Whether you cancel or downgrade your Pay as you Drive policy, you will be required to return the mileage tracker. Failure to return the device will lead to you being charged a £35 fee.

What are the perks of Pay as you Drive?

To put it simply, the less you drive, the less you pay! Pay as You Drive is not only great for saving your money, but it’s also great for the environment as you may feel encouraged to drive less and reduce your carbon footprint.

On top of this, our tracking device has many secondary benefits for you to consider.

For example, as well as recording your mileage the device has other built in elements, such as:

Theft tracker - so, if your vehicle is stolen, you will be able to track your car to its precise location.
Battery checker - to help you monitor your battery levels.
Fuel checker - if you're running low on fuel, your mileage tracker will make you aware of this - so you're not at risk of running low on your journey.

Don't worry it isn't a black box and doesn't track and record the quality of your driving.

Is Pay as you Drive fully comprehensive?

Yes, Pay as you Drive is a fully comprehensive policy and it includes lots of great benefits and features, like free breakdown membership, free motor legal advice, a courtesy vehicle, windscreen cover plus more.

Why do I not start paying until month two?

You’ll start paying for your Pay as you Drive policy from month two, to allow us plenty of time to deliver your mileage tracker, for you to install the device and to ensure everything is working as it should.

What is pay-per-mile?

It’s an innovative approach to insurance, one which steers away from the traditional method of paying a fixed annual cost and instead only charges you for the miles you drive.

Essentially, you’ll pay a fixed rate per each mile you drive in the vehicle you have insured with us. This total, alongside your ‘parked up’ charge, will be calculated on a monthly basis to determine the price you pay on your insurance.

Don’t forget, the less you drive… the less you pay!

What is a parked up charge?

You are legally required to insure your vehicle even if your car remains parked up and is not being used. Your 'parked up' charge provides full comprehensive cover against any motor vehicle incidents that happen whilst your vehicle is parked up, including theft, damage or vandalism.

Prices are dependent on individual risk factors and will vary from person to person, car to car and location to location.

Can’t I just tell my insurer how much I drive?

No, unfortunately not. The mileage tracker has been designed to accurately monitor the miles you drive and it must be installed for your Pay as you Drive policy to be valid.

Can I pay annually?

No, we currently do not have an option for you to pay annually. This is a month-by-month rolling policy with no interest or cancellation fees included.

What payment methods can I use?

Your payment will be collected using the card details provided by yourself and will be collected by a repeat monthly payment. You can choose to pay via credit or debit card. We also accept payments via Apple Pay, Google Pay and PayPal.

Please note when purchasing a Pay as you Drive policy, you are not entering into a finance agreement.

How can I track my mileage and monthly costs?

You can access a total breakdown of costs and mileage by heading to your account on our online customer portal – it’s simple and easy to use and it’s available at your fingertips, 24/7.

Each month we‘ll then provide you with a total breakdown of your costs, including your monthly mileage and ‘parked up’ charge. This will be communicated with you via email.

How do I install the mileage tracker?

The mileage tracking device is straightforward and easy to use, it simply slots into your vehicles’ on board diagnostics (OBD) port and it’s ready to go. There are no wires and you certainly won’t need an engineer.

How long do I have to install the mileage tracker?

You must install the mileage tracker within 7 days of receiving the device.

We advise installing it as soon as possible to allow for time to contact us should you have any issues setting it up.

When do you start tracking my mileage?

We’ll start tracking your mileage from month two. You'll then pay for the miles you drive and the parked up charge after your second month has been completed. You’ll then pay for the miles you drive and the parked up charge, after your second month has been completed.

What if my mileage tracker stops working?

If, for some reason, your tracker stops working, please contact our team on live chat and we will be able to advise and take the necessary steps.

Can I cancel my Pay as you Drive policy?

Yes, you can cancel your Pay as you Drive policy at any time. However, please note that if you cancel your policy you will be required to return your tracking device to us to avoid being charges a £35 fee.

Can I make a change to my policy?

Yes, if you’d like to make a change to your policy please feel free to get in touch with us via live chat.

If using live Chat, you’ll need to opt to speak with a member of our Platinum team. Our Platinum team also specialise in Pay as you Drive and they’ll be more than happy to action any changes to your policy for you.

Do I need to pay for my mileage tracker?

No, you do not need to pay for your mileage tracker, however it is a hired device from ourselves.

If you cancel or change your policy to a non-Pay as you Drive contract, you must return the device, within 7 days of your policy being cancelled.

Failure to return this will result in a £35 fee to help us cover the costs of the device.

What if I need to make a claim?

If you need to make a claim, please follow the usual claims procedure outlined in your policy documentation.

To access your policy documents and log a claim - please go to your account on our customer portal.

My partner and I both have a Pay as you Drive policy. Why are our mileage and parked up charges different despite living at the same address?

There are many elements that get factored into your parked up charges, such as ‘where’ your vehicle is parked and the type of vehicle you own. Although you may live at the same address, your vehicles and the amount you drive will differ – therefore your parking charge and mileage costs will not be the same.

Customer reviews

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