New drivers can get insurance on demand on a parent’s car with our pay as you drive car insurance option, only paying for the miles they need!
Buying your own set of wheels can be costly and if you’re not driving regularly, it can mean a lot of wasted money. That’s where our Pay as You Go Insurance policy comes in - it does exactly what it says on the tin. Our smart black box tech allows young drivers who have passed their test to pay by the mile for their insurance, on a parent’s car – simple!
Pay per mile car insurance puts you in control! Start with 500 miles and arrange auto top up of 100 to 500 miles when there’s 50 miles left. Don’t worry if you won’t be driving much - miles are valid for 12 months from the date of purchase, or top up, and you can keep on top of how many miles are left on the handy app. What’s more, young drivers develop safe driving skills with our app and box!
Yes, we think it is – and here’s why. The price to add a new driver onto an existing insurance policy can be eye-watering (and that’s if you can get quote at all – some companies won’t cover young drivers). If you do get cover, and the young driver needs to make a claim, the parent’s hard earned No Claims Discount will be affected. Another thing to consider is there may be admin costs involved with adding and removing a named driver onto a policy – so if the young driver only plans on being covered for a couple of months, this makes it a very expensive way of doing things!
Pay as you go insurance is different. It’s a completely separate policy for the young driver that sits alongside the parents –and if the young driver does need to make a claim, Mum and Dad don’t have to worry about their NCD. Paying only for the miles used means a cost saving too – if the young driver won’t be driving all that much, why pay sky high premiums? It doesn’t make sense to us – and this is where this policy comes in. It saves money, time and a whole lot of hassle so the young driver can get on the road without all the fuss. If you're still unsure, we've written a guide on everything you need to know pay as you go insurance.
This policy asks you to set an automatic top up amount, so you’ll never find yourself without cover!
What’s covered by our Pay as You Go Insurance?
Legal liability for death or injury
Damage to the car owner’s vehicle
Personal accident up to £2,500
Medical expenses up to £250
Personal belongings up to £100
How does it work?
- shop for basic necessities, for you or a vulnerable person
- go to work, or provide voluntary or charitable services, if you cannot reasonably do so from home
- exercise with your household (or support bubble) or one other person, this should be limited to once per day, and you should not travel outside your local area.
- meet your support bubble or childcare bubble where necessary, but only if you are legally permitted to form one
- seek medical assistance or avoid injury, illness or risk of harm (including domestic abuse) attend education or childcare - for those eligible
If you do leave home for a permitted reason, you should always stay local in the village, town, or part of the city where you live. You may leave your local area for a legally permitted reason, such as for work. It goes without saying that if you are self-isolating you should not leave the house at all (unless it is to get a COVID test).
Read the full coronavirus guidance for the four nations via the links below:
If you’re planning on driving your parent’s car regularly discover our annual option that covers you on a full or provisional licence!
We’ve taken a look at the pros and cons of buying vs borrowing a car to help you make the best choice for you.
There’s a lot of misconceptions around driving with a black box – we’ve got the facts on what’s true and false!