What Does Pay As You Go Car Insurance Include?
Comprehensive cover
You will be covered should you be in an accident, if the car gets stolen, or if there is damage to the car due to driving on the roads. You will also be covered for damages due to man-made or natural calamities like riots or floods.
And you will be covered for any explosions or fires.
Total flexibility – 1 hour to 24 weeks
Pay-as-you-go is very flexible as you only pay for the cover you need, meaning there are no extra costs or strict guidelines on when you can be on the road and for how long.
You can get cover for a few hours, a couple of days, or even weeks or a month – it is entirely up to you. You are also free to drive your own car, a friend’s, or a family member’s car, and you can do it all in your own time.
You will also need to be supervised at all times by someone who is over the age of 25, with no exceptions.
Choose from hourly, daily, or weekly duration to a maximum of 24 weeks
The whole purpose of this insurance policy is to allow you time to practice your driving skills without the stress of worrying about something going wrong. You are free to take as little or as much time as you need.
You can easily drive at whatever time suits you, and you can practice for a couple of days or for a few months, whatever works for you. The option is entirely yours, and you can save money!
Low Excess
Excess is the first part of your claim that you will need to pay. With learner driver insurance, this fee is relatively low. All the costs involved are low, making this a cheap car insurance for young drivers.
For learner drivers aged 17 to 25
You need to hold a provisional driver’s license and be between the ages of 17 to 25 years to qualify for this type of car insurance policy.
Maximum car value £20,000 if owned by someone else
You are free to drive in your friend’s car or in a vehicle belonging to one of your family members. However, the total cost of the car may not exceed £20,000.
Maximum car value £10,000 if owned by the learner
You are free to practice in your car and do your driving test in your car as well, and this is the better option as you can get used to how the vehicle drives. However, the total cost of your vehicle may not be higher than £10,000.
Protect the car owner’s No Claims Discount
You are free to drive a family member’s car or a friend’s without putting their no-claims discount at risk, as you will be driving under fully comprehensive car insurance.
