Young people are increasingly looking for more flexible ways to get on the road - hence the growth of pay as you drive, pay per mile and pay as you go car insurance.
Confused by the options? Here’s our complete guide to pay as you go insurance for new drivers in the UK.
In short, it’s a way to pay for your car insurance that’s based on your use of a car. If you’ve recently passed your test, and your mileage is going to be low, the idea of forking out over the odds for insurance may not seem worth it.
Pay as you drive car insurance allows you to only pay for miles you drive, rather than commit to an annual price, and allows you to top up your miles as and when you need to. Marmalade’s pay as you go policy will cover you to drive your own car or a parent’s car and uses a smart black box and Marmalade Insurance App to measure the miles driven.
Start with 1000 miles
It’s not just for young or new drivers, but it’s a popular option for them as it’s handy for young people who are only doing short trips or who are only likely to use the car from time to time (if they’re away at uni for example).
As Marmalade are young driver insurance specialists, our two pay as you go car insurance options are designed exclusively for younger drivers who hold a full or provisional licence.
- Pay as You Go Car insurance on a parent’s car is available for drivers aged 17-27 to allow them to share a family car.
- Drivers aged 17-30 who are looking to insure their own car should check out our Pay as You Go black box insurance.
If you are 17 or 18 years old, don’t drive regularly, and wouldn’t expect to rack up loads of miles, it could be worth considering this policy to see if it’s suitable for you. Getting behind the wheel is handy for popping out on short trips to a part-time job, visiting friends or for freedom during the holidays. One size doesn’t fit all, so we offer pay as you go cover to share a parent’s car or for the young driver’s own car. The smart black box tag and smartphone app also helps the young driver develop and maintain their safe driving skills.
It’s also a nifty option for learners who have their driving test coming up and want cover to continue seamlessly when they pass!
Depending on their individual requirements, students may find a pay as you go policy suitable, as it offers the freedom of the road without the need for an annual policy. If you were to only use the car for school holidays or occasional weekends, a pay as you go policy could be worth considering. As Marmalade’s pay as you go insurance has an auto-top up facility for your chosen amount when you are down to 50 miles, you can be safe in the knowledge you won’t run out of miles mid-trip -just remember to make sure you always have the funds to cover an unexpected top up.
Pay As You Go Insurance, it’s not the only option! If you’re just looking to borrow a car for a week or so Temporary Student Car Insurance allows you to arrange cover by the week, on a family car or friend’s car. This short-term car insurance allows you arrange cover for anything from one week to six weeks at a time.
Pay As You Go Insurance on your own car
Pay As You Go Insurance on a parent’s car
Weekly or Monthly Pay As You Go Car Insurance
Pay As You Go Learner Insurance
What level of cover do you get with pay as you go insurance?
Cover is comprehensive and includes the following:
You can read more about the level of cover on our policy details pages for Pay As You Go Insurance on your own car and Pay As You Go Insurance on a parent’s car.
Legal liability for death or injury
Damage to the car owner’s vehicle
No risk to the car owner's No Claims Discount
As pay as you go car insurance is based on mileage, this will all depend on how many miles you drive! If you think you're going to be driving frequently, our annual insurance may be the better option.
Find out more in our guide to Pay As You Go Insurance and get a quote in just a couple of minutes by entering just a few details and compare the options for yourself!
The price you pay will depend on your personal details, you'll be offered a fixed price for the first 500 or 1000 miles and will select your preferred top up for when you reach 50 miles remaining. You will receive updated driving scores and prices for miles every three months. The great news is that miles are valid for 12 months, and you will start earning a No Claims Discount for every claim free year.
Sound interesting? Discover more in our guide to Pay As You Go Insurance you can get a quote in seconds by entering just a few details!
Good question. We can’t speak on behalf of all insurers, as pricing will vary from insurer to insurer.
If you choose a policy with Marmalade, pay as you go insurance could be useful if you are only driving occasionally. If you are insuring your own car and using it every day for work, errands, and socialising, an annual policy may suit you better.
You can get a personalised quote in just a couple of minutes to insure your own car, or a parent’s car where you’ll be able to compare the annual and pay as you go prices. The team are also on hand to answer any questions you have on 0330 343 8814.