The secrets to pay as you go (PAYG) car insurance
Getting your car insured may be a legal requirement, but it can still feel like a daunting task. When to renew (February is the perfect time), how to renew, and which provider to opt for - questions breed questions when it comes to sorting your cover.
But car insurance doesn’t have to be a headache. If you’re a motorist who uses your car relatively infrequently or for mainly shorter journeys, then pay as you go cover could be just the thing for you - and it’s easy to see why it’s growing in popularity.
On a short term basis, PAYG cover can be much more straightforward than going down the traditional channels.
One of the key benefits of this kind of cover is speed. Rather than going through the usual prolonged process, most policies can be approved in under half an hour, getting you on the road as quickly as possible.
The price you pay is still calculated in a similar way to more traditional insurance: your age, location, profession and so forth will be taken into account when pricing your policy.
But be warned: if you’re a younger driver and you try to ensure a more powerful vehicle on a short term basis, you may well be turned away. It’s simply not worth the risk for some major providers.
That said, if your car is on the cheaper end of the scale then PAYG cover is perfect on a short term basis. If you want insurance for just a month or so, you may be able to drastically undercut more traditional models. But if you extend your pay as you go insurance over a longer period such as a year, it could prove very costly indeed - so be smart!
There are all kinds of options when it comes to pay as you go cover. As ever, when you’re looking for cheap cover, head to A Spokesman Said and search for the very best deal for you.
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When did you last switch your car insurance provider?
Last year 65% of customers didn't switch their car insurance to try and get a better deal.