8 great reasons to choose pay per mile car insurance
We’re looking at the top reasons to choose insurance by the mile for young drivers.
Choosing car insurance by the mile could be a cheaper and more flexible way to gain independence as for young adults versus the average cost of insurance for drivers in the UK aged under 25. Let’s look at our top reasons to choose insurance by the mile. Read on to discover if this could be just what you need.
1
You want to share a parent’s car
One of the benefits of living with your folks (apart from the delicious home cooked food!) is that you may have the option to share the family car. If you’re a student, or don’t need your car for work, it may be difficult to justify the cost of your own car and insurance if you only need to drive for short journeys, or just occasionally.
Pay per mile insurance could be just what you need - as you buy your miles up front, and choose the top-up that suits your needs, and you have cover in place just when you need it. The best news is that if your policy runs for over a year without a claim, you earn a No Claims Discount that will come in super handy when you’re ready to buy a car of your own!
Pay per mile insurance could be just what you need - as you buy your miles up front, and choose the top-up that suits your needs, and you have cover in place just when you need it. The best news is that if your policy runs for over a year without a claim, you earn a No Claims Discount that will come in super handy when you’re ready to buy a car of your own!
2
You're a student at university
If you’re at uni, the chances are you’re not using the car all year round as it’s a big expense when you’re living on a tight budget. However, when you’re back for the holidays, having the ability to get out and about in your own car or share a family car is invaluable - whether it’s to get to your holiday job, head out with friends or to simply help mum and dad out.
Our pay as you go insurance allows you insure by the mile on your own car or a family car – with comprehensive cover sat waiting for when you need it! Plus, for every year your policy remains in force, and you stay claim free, you can earn a No Claims Discount. Once you no longer need the policy, we’ll give you a refund for any unused miles since your last top up.
Our pay as you go insurance allows you insure by the mile on your own car or a family car – with comprehensive cover sat waiting for when you need it! Plus, for every year your policy remains in force, and you stay claim free, you can earn a No Claims Discount. Once you no longer need the policy, we’ll give you a refund for any unused miles since your last top up.
3
You work part time
A pay per mile car insurance policy like ours may suit you if you’re working locally in the evening, or just a couple of days a week, as you may not be racking up that may many miles. This means you’re not going to be paying for miles you’re not using when you’re not working – but cover is ready and waiting as and when you need.
We know one size doesn’t fit all so young drivers have the option to choose cover for their own car as the main driver, or to share a parent’s car. Both options allow you to start earning a No Claims Discount in the same way as you would on a standard annual policy, but without the price tag!
We know one size doesn’t fit all so young drivers have the option to choose cover for their own car as the main driver, or to share a parent’s car. Both options allow you to start earning a No Claims Discount in the same way as you would on a standard annual policy, but without the price tag!
4
You're working from home
The pandemic led to quite a change and saw some of us saying goodbye to some or all of our daily commutes. As a result of more hybrid and remote working, drivers with low mileage may be looking for a more flexible way to get insured.
Insurance by the mile can be handy for this as you can start the policy with 500 or 1000 miles up front depending on whether you’re driving your own car as the main driver or are sharing the family car as a secondary driver. As your miles run out, your miles will auto-top up until you no longer need the policy.
Insurance by the mile can be handy for this as you can start the policy with 500 or 1000 miles up front depending on whether you’re driving your own car as the main driver or are sharing the family car as a secondary driver. As your miles run out, your miles will auto-top up until you no longer need the policy.
5
You want to combat the rising cost of living
The rising cost of living is a hot topic in 2022. This, combing with fluctuating fuel costs means many of us are looking for ways to cut costs. With the average cost of insuring a young driver at £1669 per year in the UK according to the Customer Intelligence Car Insurance Price Index, the cost may seem excessive if you’re only driving every now and then.
Sharing a family car instead of buying a first car, or keeping your mileage low, could help make the cost of getting on the road more manageable. It can help ease high-up front costs as you simply pay for the first 500 or 1000 miles up front, and then choose a top up the number of miles to automatically top up when you’ve nearly run out. The best news is that you’ll be racking up a No Claims Discount for every claim free year of driving!
Sharing a family car instead of buying a first car, or keeping your mileage low, could help make the cost of getting on the road more manageable. It can help ease high-up front costs as you simply pay for the first 500 or 1000 miles up front, and then choose a top up the number of miles to automatically top up when you’ve nearly run out. The best news is that you’ll be racking up a No Claims Discount for every claim free year of driving!
6
You want flexibility to drive, but don’t own a car
Paying for car insurance by mileage gives you the flexibility to share a parent’s car without the hassle and expense of running your own car. Of course, you’ll have to negotiate with mum or dad as to when you can borrow it and who’s paying for petrol!
Our car-sharing pay per mile policy for young drivers means the outlay is lower than an annual policy, and you just pay for the miles you’ll use, as and when you need them until you no longer need the policy - at which point, you’ll receive a refund for the miles remaining when you cancel. Simple!
Our car-sharing pay per mile policy for young drivers means the outlay is lower than an annual policy, and you just pay for the miles you’ll use, as and when you need them until you no longer need the policy - at which point, you’ll receive a refund for the miles remaining when you cancel. Simple!
7
You love using the latest tech
Some of us are trend-setters and love to use tech to make their life easier and to have more flexibility. Traditional car insurance can be expensive for young drivers and there aren’t that many flexible options that allow you to earn your own No Claims Discount.
The tech behind Marmalade’s pay per mile car insurance lets you measure the miles you drive, and see how you’re driving on a smart app and black box tag. This allows you to pay for the miles you use, and you pay a premium that reflects how safe you’re driving. The safer you drive, the less you’ll pay for your top-up!
The tech behind Marmalade’s pay per mile car insurance lets you measure the miles you drive, and see how you’re driving on a smart app and black box tag. This allows you to pay for the miles you use, and you pay a premium that reflects how safe you’re driving. The safer you drive, the less you’ll pay for your top-up!
8
You want to be more eco-friendly
Climate change remains a high on the news agenda, for good reason. Car sharing can help new drivers get on the road in a more sustainable way – so a policy that allows you to get cover on a family car to drive as and when you need makes this possible.
If you have your own car, you may be looking for ways to cut down the journeys you take in the car, by taking more journeys on foot or by bike. Opting for usage based car insurance enables you to save money by driving less, but gives you the same comprehensive level of cover that an annual policy would offer.
If you have your own car, you may be looking for ways to cut down the journeys you take in the car, by taking more journeys on foot or by bike. Opting for usage based car insurance enables you to save money by driving less, but gives you the same comprehensive level of cover that an annual policy would offer.
9
You’re taking your driving test soon
If you’ve got your driving test booked soon, you’re likely to want to be able to keep driving! In fact, 66% of learner drivers that we surveyed in April 2022 said they would like insurance that would continue seamlessly when they pass their test. Pay as you go insurance continues seamlessly when you pass your driving test – all we ask is that you let us know when you reach that epic milestone!
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