Compare Pay As You Go Car Insurance

Compare cheap pay as you go car insurance quotes side by side & find a cheap UK pay as you drive car insurance deal that only charges when you get behind the wheel. Our pay per mile car insurance comparison makes it easy find cheap PAYG car insurance quotes, so you get top car insurance cover for the cheapest price possible.
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 Late Night DrivingBlack Box InstallationMaximum AgeAnnual Mileage Limit 
Premium IncreaseChargePeriodCostDeadline
Admiral
LittleBox (Comprehensive)
---
£0
30
days
varies
15,000
miles
LittleBox compares driving styles to give you feedback on how you drive, and a guaranteed discount on a standard single car quote from Admiral.com.
Admiral
LittleBox (Third Party, Fire & Theft)
---
£0
30
days
varies
15,000
miles
LittleBox compares driving styles to give you feedback on how you drive, and a guaranteed discount on a standard single car quote from Admiral.com.
AA
Drivesafe Car Insurance (Comprehensive)
10pm to 5am£0
28
days
UnlimitedUnlimited
The Co-operative Insurance
 
Young Driver Insurance (Comprehensive)
11pm to 5am£0
24
days
24
years
Unlimited
25% of under 25's could save up to £656.
Bell
Safe Driver Insurance (Comprehensive)
---
£0
30
days
80
years
15,000
miles
With a Bell telematics policy, you won't pay for other people's bad driving - safe drivers pay a fair price.
Bell
Safe Driver Insurance (Third Party, Fire & Theft)
---
£0
30
days
80
years
15,000
miles
With a Bell telematics policy, you won't pay for other people's bad driving - safe drivers pay a fair price.
Adrian Flux
Blackbox Insurance
---
£0variesUnlimitedvaries
Hastings Direct
SmartMiles Telematics Car Insurance
10pm to 5am£0
28
days
Unlimited
10,000
miles
New Drivers can save over 1/3 on Car Insurance. Great savings, No curfews and annual discounts for safe driving
Hastings Direct
SmartMiles (Third Party, Fire & Theft)
10pm to 5am£0
28
days
Unlimited
10,000
miles
drive like a girl
 
Private Car (Comprehensive)
11pm to 4am£0
14
days
25
years
Unlimited
Girls Drive Better
 
Car Insurance (Telematics) (Comprehensive)
---
£0
21
days
UnlimitedUnlimited
Girls Drive Better
 
Car Insurance (Telematics) (Third Party, Fire & Theft)
---
£0
21
days
UnlimitedUnlimited
Ingenie Insurance Services
 
Car Insurance (Comprehensive)
---
£0
21
days
25
years
Unlimited
Insure The Box Limited
 
Private Car (Comprehensive)
11pm to 5am£0
14
days
Unlimited
6,000
miles
Marmalade
New Driver Insurance (Comprehensive)
---
varies
28
days
Unlimited10,000
Policywise
Car Insurance (Telematics) (Comprehensive)
---
£0
28
days
25
years
Unlimited
Policywise
Car Insurance (Telematics) (Third Party, Fire & Theft)
---
£0
28
days
25
years
Unlimited
WiseDriving
Intelligent Car Insurance (Comprehensive)
9pm to 5am£0
28
days
UnlimitedUnlimited
WiseDriving
Intelligent Car Insurance (Third Party, Fire & Theft)
9pm to 5am£0
28
days
UnlimitedUnlimited
Woop Cover
Young Driver Insurance (Comprehensive)
10pm to 5am
---
£0
28
days
---
Unlimited
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Cut the Cost of Your Premiums with PAYG Car Insurance

If youíre struggling to afford annual car insurance policies, donít despair: pay as you go insurance may well work out cheaper. Read on to find out how to make the most of PAYG car insurance.

Lady Adjusting Mirror

If the cost of car insurance is giving you second thoughts about owning a vehicle, you may be wondering how you can afford to keep on paying for expensive annual policies.

Thankfully, there is now another way to pay which you might want to look into – pay as you drive car insurance.

So how does PAYG insurance work and how can you make it work for you?

How does pay as you go car insurance work?

Much like pay as you go phone deals whereby you top up as and when you need to, with pay as you drive insurance you can have more of a say about how much you pay for cover.

That’s in direct contrast with the normal flat rate contracts you get with a standard policy.

With PAYG cover you have to get a telematics box (often called a black box) fitted to your car that records and reports how, when and how far you’re driving.

How does this help you? It tells your insurer more about you and your driving style, meaning they can assess your risk much more accurately – potentially knocking a load off the cost of your insurance.

However, committing to a certain driving style to knock £££s off the price may seem attractive when you first compare car insurance, but you’ll face expensive penalties and premiums if you can’t stick to it.

There are a number of important factors you must take into consideration:

Late night driving

While shopping around for car insurance pay as you go deals, you may see that some companies impose conditions about driving at night. If you drive between (e.g.) 11pm and 5am, your insurer may charge more for doing so as it’s seen as riskier.

This doesn’t apply to all insurers; some won’t increase your premiums or charge you any extra for late night driving – it’s a good idea to check if you’ll be asked to pay extra before taking out any policy.

Make sure that each policy’s conditions match how you want to use your car and discard any that don’t to filter out those that might turn out to be useless should you actually need to claim.

Installing your telematics box

The majority of insurance companies won’t hit you with an installation fee for having the box set up on your vehicle, but they could give you a timeframe within which you’ll need to have it installed. If you miss the deadline you could invalidate the policy, so aim to get if fitted as soon as possible.

Check the policy’s age limit

To compare pay as you go insurance for cars you should make sure you fall within the company’s maximum age limit.

Black box policies are slanted towards younger drivers (under 25 years old) and certain insurers may not offer cover for anyone older than this.

This doesn’t apply to all PAYG insurance companies so you should be able to find a deal with no age restrictions during a PAYG car insurance comparison.

Annual mileage limits

If you take out a pay as you go insurance car deal you also need to check whether there is an annual mileage limit in place. If there is then you will only be insured if you remain within this limit.

The amount will vary between insurers, so be sure to know exactly what you’re covered for on your policy – if you only need your car for occasional use, asking for a lower limit may even see you pay less for your premiums.

Benefits of having a black box installed

With a pay as you drive insurance UK policy you get the added benefit of having your telematics box act as a tracker, meaning if your car gets stolen it should be possible for its location to be tracked.

As the technology can tell how well you’re driving, you may be able to earn safe driving discounts if you avoid any incidents or impacts and drive carefully – and that’s in addition to building up a no claims discount.

However, the reverse is also true and if you’re deemed to be driving recklessly your premiums may well go up. Finding the right policy can be a fine line to tread.

The key is setting out the cover you want in advance, and taking a good long look at how you drive.

If a policy doesn’t fit you can forget about it there and then; for those that do meet your needs you can compare black box quotes to get a cheap deal that won’t let you down.

Find out more about PAYG cover and your car insurance options by reading our guide, How to find a cheap black box car insurance quote.

Car Insurance Comparison

Alternative Car Insurance Policies

You may want to compare the above car insurance policies with the following.

Chaucer Mota-Marque (Comprehensive)

  • This car insurance policy gives a £0 renewal fee.
  • This car insurance policy has a comp DOC not provided driving other cars XS.
  • Chaucer gives theft of keys of £500.
  • Get inexprienced driver excess of £150 from the car insurance policy.
  • Availability guaranteed courtesy vehicle is offered with Mota-Marque (Comprehensive).

Clydesdale Bank Car Insurance (Comprehensive)

  • You enjoy limitless repair promise period from this Car Insurance (Comprehensive).
  • Customers enjoy £60 windscreen XS - non approved claims from Clydesdale Bank.
  • Third party property of £20,000,000 is offered.
  • You will get additional excess for drivers under 21 of £300.
  • Repairer courtesy car provider is offered to new customers.
  • Have the benefit of a max security discount of 8 percent from this car insurance policy.

Peugeot Motor Insurance (Comprehensive)

  • This car insurance policy offers limitless theft of keys.
  • Get an extra excess for drivers aged 21 - 24 of £250 from this car insurance policy.
  • You get £0 accidental damage excess from this car insurance policy.
  • Get a non manufacturer sat nav benefit of £1,000.
  • 74 yrs maximum age for personal accident cover is available with the car insurance policy.

Roland Smith Narpo Gold (Comprehensive)

  • Enjoy 0% direct debit fee.
  • Take advantage of windscreen excess - non approved claims of £0.
  • Benefit from limitless third party injury protection.
  • Motorcar jacking cover of £5,000 is available with the car insurance policy.
  • New customers can get pay default fee of 0.0.

Ageas Optima Car (Third Party, Fire & Theft)

  • 2 in 5 yrs [attribute name] available..
  • The car insurance policy offers repairer rescue benefit basis.
  • You get unlimited manufacturer audio benefit.
  • Theft of keys of £400 is offered by Ageas.

Highway Car Insurance (Third Party, Fire & Theft)

  • Get rescue insurance basis cost.
  • Inexprienced driver XS of £0 is offered with Car Insurance (Third Party, Fire & Theft).
  • Customers take advantage of £10 policy adjustment fee.
  • A payment default fee of 0.0 is offered by Highway.
  • Benefit from £20,000,000 third party property.

Hiscox Motor Insurance (Comprehensive)

  • An unlimited third party injury protection is available.
  • Customers can benefit from £0 extra excess for drivers aged 21 - 24.
  • The Hiscox Motor Insurance (Comprehensive) has a guaranteed guaranteed courtesy motorcar.
  • The car insurance policy has a £0 setup fee.

Virgin Car Insurance (Comprehensive)

  • Repairer courtesy motor provider is available.
  • This car insurance policy gives £5,000 accidental disability cover.
  • Inexprienced driver XS of £150 is offered with Car Insurance (Comprehensive).
  • Theft of keys of £1,500 is available with the car insurance policy.