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Pay As You Go Car Insurance

1 hour to 28 days

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Pay As You Go Car Insurance

1 hour to 28 days

Tell us your details: get a quote for 1 hour car insurance instantly.

About the car you want to temporarily insure.

Vehicle Registration Logo
Don’t know the reg? Click here.

Get quotes, buy online and be on your way in less than 2 minutes!

Get instant online cover from 1 hour to 28 days, in three quick & easy steps


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Pay As You Go Car Insurance

Do you own a car but do not frequently use it? Infrequent drivers bear the full brunt of expensive insurance premiums. Traditional car insurance quotes are unreasonable and impractical for consumers who do not use their vehicles to the fullest.

Alternative car insurance policy plans are more flexible, such as temporary car insurance policies and young driver temporary car insurance. However, these policies do not cover consumers’ demands requiring longer-term flexible car insurance.

To meet the growing demand that standard car insurance policies don’t cater for, GoShorty offers pay-as-you-go car insurance premiums for motorists with infrequent driving habits.

  • Fully comprehensive cover
  • 1 hour to 28 days flexible cover
  • Low Excess
  • Drivers aged 18 to 75
  • Maximum car value is £65,000
  • Protect the car owner’s No Claims Discount

What is Pay As You Go Car Insurance?

Pay-as-you-go car insurance is not the same as temporary car insurance policies. The only similarity between these two vehicle coverage categories is that it helps you save money.

These insurance categories colour outside the borders of typical insurance providers to offer motorists the best coverage that suits their needs.

The types of policies offered under temporary car insurance include:

Hourly car insurance for people who borrowed a vehicle from a friend or family member for less than a day either for moving or a driving test

One-day car insurance is the ideal choice when moving and renting a van.

Weekly car insurance and monthly car insurance coverage can get used if you are a learner driver or test-driving/renting a vehicle for a more extended period.

Temporary student car insurance is for students who commute with their car to and from campus and got primarily designed for young drivers.

Unlike these car insurance policies, pay-as-you-go premiums are for motorists that require continuous coverage that matches their driving habits. In addition, the quoted monthly premium is a fixed rate and does not get renewed or revised every month.

Temporary monthly car insurance requires constant renewal since most plans cover drivers from 1 to 28 days. In a nutshell, pay-as-you-go car insurance is simply a coverage plan that offers cheaper premiums.

Who Needs Pay As You Go Car Insurance?

Pay-as-you-go insurance could be the ideal choice if you are not satisfied with the premium you’re paying currently. The main benefit of this insurance policy is its flexibility. You only pay according to the miles or hours driven each month, but who needs pay-as-you-go insurance?

  • Low-mileage drivers – Motorists that are stay-at-home families who occasionally drive to get groceries or drop off kids at school
  • Younger drivers – Students or other young drivers that only drive to and from school
  • Retirees – Elderly drivers that do not use their vehicles as often

Apart from these main demographic groups, anyone that needs cheap car insurance premiums to save money can opt for pay-as-you-go coverage plans. The savings you can get from using this type of insurance can reach up to 70% or even more when considering all the claims discount offers that apply to specific policies.

Also, find out more about the qualification criteria for pay-as-you-go insurance to see if you qualify.

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What Does Pay As You Go Car Insurance Include?

Before switching from your current insurance provider, you must be confident that you’ll get all the necessary coverage. The coverage you can get depends on factors such as your budget, driving habits, and age, just like most other insurance policies.

With GoShorty, you can customise the type of insurance coverage you’ll need for your vehicle according to personal preference. Young drivers, especially college students, can also get the necessities that fit their budget.

In addition to the customizability, pay-as-you-go insurance has a comprehensive coverage policy. What does our comprehensive insurance cover include?


Fully comprehensive insurance

Going for full comprehensive coverage gives you the ultimate benefits of your policy. Just like traditional coverage plans, you are eligible for all types of claims.

Loss, theft or damage

Any accidental loss, theft or damage to your vehicle can get claimed against your insurance policy. Since a comprehensive cover is the highest level of coverage, you can choose this policy to protect yourself from the expenses of repairing any damage to your vehicle.

If your vehicle also gets stolen, pay-as-you-go insurance helps cover most expenses if the chances for car recovery are slim.

Accident recovery

Being involved in a car accident is a genuine inconvenience. If your vehicle is not a write-off, pay-as-you-go insurance could help you get back to driving your wheels as soon as possible. You get the best value out of this coverage plan because if you are claim-free, you can qualify for a no-claims discount.

Let’s say you accidentally cause an accident. Does this type of insurance cover third-party claims? Pay-as-you-go insurance helps share the legal liability by covering some of the costs you’re liable for paying.

With comprehensive coverage, you get all these benefits and more. The best part is that motorists can add or remove extras to their insurance plan whenever necessary.

Get car insurance by the hour, day, week or month with GoShorty.

Am I Eligible For Pay As You Go Car Insurance?

What could potentially disqualify you for pay-as-you-go insurance coverage?


  • The only disqualifying criteria you could face as a driver is related to your vehicle. There are essential factors that qualify a car for pay-as-you-go insurance, including:
    • Vehicle use – the insured vehicle must not be used for commercial purposes such as being a taxi
    • Vehicle age – older car models might not qualify for PAYG insurance
  • Depending on the provider you choose, there might be other specific criteria.


  • Are any drivers disqualified from getting this type of insurance coverage? Not at all!
  • You are welcome to apply for PAYG car insurance as long as you’re a licensed driver and own a car. Even drivers considered high-risk by other insurance companies are welcome to apply for this insurance plan.
  • If you are under 25 or have a previous conviction, your premium might get quoted at an absurdly higher price than other demographic groups. However, that changes with PAYG. You can get a significantly lower premium despite your risk category.

What Will I Need to Get Pay As You Go Car Insurance?

Vehicle details

To apply for PAYG insurance, applicants should submit pertinent vehicle information, especially regarding ownership. The application procedure will also require essential details such as vehicle registration and roadworthy assessment results.

Policy duration

At times, you might need PAYG insurance for a limited period. When applying for your policy, you will have the opportunity to stipulate the estimated policy duration. Our policies start from as little as one hour, up to 28 days.

Personal details

Some personal details relevant to the application get required during the application process. These personal details include identification documents, proof of residential address, and other documentation that could get requested on-demand. In addition, your banking details will also get requested if the application gets approved for billing.

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