MORE TH>N Smart Wheels (Comprehensive)
Late Night Driving Charge
-
Blackbox Installation
-
Maximum Age
-
Annual Mileage Limit
-
Young drivers could save up to £440 with More Th>n Sm>rt Wheels. Savings vs standard prices. Based on new rates applied to 10% of standard annual quotes for 18-24year olds Apr - Jun 2014,excludes optional extras. Minimum premiums apply
Admiral LittleBox (Comprehensive)
Late Night Driving Charge
-
Blackbox Installation
Free installation
Deadline: 30 days
Maximum Age
varies
Annual Mileage Limit
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)
Late Night Driving Charge
-
Blackbox Installation
Free installation
Deadline: 30 days
Maximum Age
varies
Annual Mileage Limit
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.
The Co-operative Insurance Young Driver Insurance (Comprehensive)
Late Night Driving Charge
Premium increase
(11pm to 5am)
Blackbox Installation
Free installation
Deadline: 24 days
Maximum Age
24 years
Annual Mileage Limit
Unlimited
25% of under 25's could save up to £656.
Direct Line DrivePlus
Late Night Driving Charge
-
Blackbox Installation
Free installation
Maximum Age
-
Annual Mileage Limit
Unlimited
Adrian Flux Blackbox Insurance
Late Night Driving Charge
-
Blackbox Installation
Free installation
Deadline: varies
Maximum Age
Unlimited
Annual Mileage Limit
varies
Hastings Direct SmartMiles Telematics Car Insurance
Late Night Driving Charge
Premium increase
(10pm to 5am)
Blackbox Installation
Free installation
Deadline: 28 days
Maximum Age
Unlimited
Annual Mileage Limit
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)
Late Night Driving Charge
Premium increase
(10pm to 5am)
Blackbox Installation
Free installation
Deadline: 28 days
Maximum Age
Unlimited
Annual Mileage Limit
10,000 miles
drive like a girl Private Car (Comprehensive)
Late Night Driving Charge
Premium increase
(11pm to 4am)
Blackbox Installation
Free installation
Deadline: 14 days
Maximum Age
25 years
Annual Mileage Limit
Unlimited
Girls Drive Better Car Insurance (Telematics) (Comprehensive)
Late Night Driving Charge
-
Blackbox Installation
Free installation
Deadline: 21 days
Maximum Age
Unlimited
Annual Mileage Limit
Unlimited
Girls Drive Better Car Insurance (Telematics) (Third Party, Fire & Theft)
Late Night Driving Charge
-
Blackbox Installation
Free installation
Deadline: 21 days
Maximum Age
Unlimited
Annual Mileage Limit
Unlimited
Ingenie Insurance Services Car Insurance (Comprehensive)
Late Night Driving Charge
-
Blackbox Installation
Free installation
Deadline: 21 days
Maximum Age
25 years
Annual Mileage Limit
Unlimited
Insure The Box Limited Private Car (Comprehensive)
Late Night Driving Charge
Premium increase
(11pm to 5am)
Blackbox Installation
Free installation
Deadline: 14 days
Maximum Age
Unlimited
Annual Mileage Limit
6,000 miles
Marmalade New Driver Insurance (Comprehensive)
Late Night Driving Charge
-
Blackbox Installation
Free installation
Deadline: 28 days
Maximum Age
Unlimited
Annual Mileage Limit
10,000
Policywise Car Insurance (Telematics) (Comprehensive)
Late Night Driving Charge
-
Blackbox Installation
Free installation
Deadline: 28 days
Maximum Age
25 years
Annual Mileage Limit
Unlimited
Policywise Car Insurance (Telematics) (Third Party, Fire & Theft)
Late Night Driving Charge
-
Blackbox Installation
Free installation
Deadline: 28 days
Maximum Age
25 years
Annual Mileage Limit
Unlimited
WiseDriving Intelligent Car Insurance (Comprehensive)
Late Night Driving Charge
Premium increase
(9pm to 5am)
Blackbox Installation
Free installation
Deadline: 28 days
Maximum Age
Unlimited
Annual Mileage Limit
Unlimited
WiseDriving Intelligent Car Insurance (Third Party, Fire & Theft)
Late Night Driving Charge
Premium increase
(9pm to 5am)
Blackbox Installation
Free installation
Deadline: 28 days
Maximum Age
Unlimited
Annual Mileage Limit
Unlimited
Woop Cover Young Driver Insurance (Comprehensive)
Late Night Driving Charge
-
Blackbox Installation
Free installation
Deadline: 28 days
Maximum Age
-
Annual Mileage Limit
Unlimited

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

Cut the Cost of Your Premiums with PAYG Car Insurance

by NickC from money.co.uk

If you're struggling to afford annual car insurance policies, don't 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.