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Instant Cover
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18 - 78

Tempcover Car Insurance

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Learner Drivers
Applicable Age
17 - 22

Tempcover Learner Car Insurance

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Third Party Fire & Theft and Comprehensive Cover
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Admiral Multi Car Insurance

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Learner Drivers
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Tempcover Learner Car Insurance

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Pay As You Go Car Insurance

Standard car insurance policies may not suit weekend drivers

Until recently, the options for infrequent drivers were;

  • To be added on to a family member’s policy as a “named driver”.
  • To find a policy with significantly lower rates for lower-mileage drivers.
  • To take out short-term temporary car insurance.

If you own a car it must be insured all the time. But many car owners who live in the city and do most of their weekday commuting by public transport are paying for driver cover they don’t need while their car is sitting in the driveway.

A young driver could be included on a parent’s annual insurance policy. However this could be expensive if they only use the vehicle from time to time.

More flexible car insurance

A new type of insurance policy has been introduced to offer more flexibility and control to UK drivers.

  • Telematics insurance policies use “black box” technology fitted to your car to track how much driving you do.
  • Black box insurers usually charge a set amount per year and allow the policy-holder to drive a specified number of miles per year before being charged extra.
  • Telematics technology insurers may allow you to purchase “top-up” bundles for miles, which can roll over to the following year if you don’t use them.

Another option for drivers are flexible short term, or temporary car cover policies. Temporary car insurance can be taken out from 1 hour to 30 days. You can apply for cover online and have a policy in place in minutes.

How does pay as you go car insurance work?

Pay as you drive cover can be attractive to younger age groups.

The cost of insurance premiums can be reduced with payg cover.

An insurer will require a telematic tracking box fitted into your car which is about the size of a mobile phone. This black box is a tracking device which allows an insurer to monitor your driving. The insurance company will charge on a per mile basis – some insurers will put apply discounts on this cost if you drive at off peak times.

So unlike traditional insurance policies where assumptions are made e.g. age, address, driving experience, telematic cover can be highly bespoke to your driving behaviour which is good news if you are a safe driver!

Research shows that people behave differently if they know they are being observed so telematic technology can result in better driving.

What are the drawbacks of this type of cover?

  • It can be seen as a bit big brother!
  • You will have to pay for the telematics device to be installed in your car.
  • If you drive a lot of miles the savings you make may be minimal.
  • There is currently no distinction of type of roads. So if you drive on safer roads you will not benefit from someone who travels on motorways.
  • Some insurers will impose curfew restrictions on when you can drive e.g. not after 11pm.
  • Driving a high performance car will probably not help if you are looking to keep costs down.
  • When you take out the policy you tell the insurer how many miles you need – e.g. 5000 miles. The rate per mile will depend on the insurance company and some will charge more if you go over the agreed amount.

PAYG car insurance may be ideal for:

  • Car owners who use public transport on weekdays but need cover for short trips in the evenings and at weekends
  • Young drivers using a parent’s car when they visit home
  • Drivers using a relative or friend’s car irregularly
  • Car Club users
  • Older drivers who drive short local trips but use public transport for longer journeys
  • New car purchases

And for business owners, PAYG van insurance can be a useful low-cost cover that helps to control overheads.

Insurance groups who offer this type of cover are authorized and regulated by the financial conduct authority (FCA).

See above for a selection of insurers who offer telematic insurance and temporary cover up to 30 days and save money.

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Car Insurance in the UK is compulsory under the 1988 Road Traffic Act and it is an offence to take a car onto a public highway without at least third party insurance in place.

Most basic car insurance policies cover third party, fire and theft covering third party liabilities as well as damage to the car caused by fire or loss due to theft. Comprehensive car insurance which is more expensive covers third party, fire and theft but also covers any damage caused by the driver to the car being driven.

According to the Motor Insurers Bureau uninsured drivers (approximately two million motorists according to the department of transport) inflict approximately £380 million of damage on UK roads which is passed on in higher insurance premiums.

Under the law a car must have a valid car insurance policy if it is taxed or not or whether it is kept on a public highway or not and whether it is driven or not.

If a car is not being used its tax disc must be redeemed and the relevent declaration (SORN) completed to confirm that the car is being kept off public roads. The scheme will provide a new fixed penalty for people who ignore official reminders that their insurance has expired. the maximum penalty for offenders is £5,000 and an automatic endorsement of your driver license with 6 to 8 penalty points.

See below for different types of car insurance:

Type of Car Insurance

Car Insurance Features

Comprehensive Car Insurance

As the name suggests provides cover both to third parties but also to you and your own car and passengers in the event of an accident. This type of cover usually allows you to drive another car (may only be on a third party basis).

Car Legal Expenses Insurance

Normally sold as an add on to car insurance and provides legal expense cover in the event of a dispute e.g. if you are in an accident that is not your fault you may wish to claim back uninsured losses and legal expense cover will help you fund the legal costs.

Third Party Car Insurance

Third party car insurance is the minimum cover required by UK law on a vehicle used ona public highway. If you have an accident this cover will protect you from having to pay for damage to other vehicles. You cannot make a claim against your own vehicle.

Third Party Fire and Theft Car Insurance

In addition to covering third party liabilites this cover also provides financial protection in the event of damage to your car in the event of fire or loss due to theft.

As with many things in life the more time you put into something the more you will get out and with buying car insurance spending some time understanding what to look out for can save you both time and money in the long run and should ensure that you end up with the right cover.

Things to consider:


If you are under 25 you will generally pay more for car insurance. For teenagers the cost of car insurance can be very high. Some insurers provide young driver car insurance schemes e.g. The Co-op and Young Marmalade provide specialist insurance for younger drivers

Voluntary Excess

To keep the cost of car insurance down many insurers provide you with the option of a voluntary excess on any claim. This is paid over and above any compulsory excess on the policy.


In the past specialist women’s car insurance providers could offer a better deal. Women generally tend to make less expensive claims than men, and so insurance companies historically reflected this in offering cheaper premiums. However, in March 2012, the European Court of Justice ruled that insurance providers cannot discriminate on gender. This ruling came into effect from December 2012.

Car Mileage

Some car insurers will adjust their car insurance premium based on the mileage you do. It is important you give an accurate indication of expected annual mileage to ensure you are not paying more than you need to.   Check with your existing car insurer (if relevant) – If you already have an existing car check with your existing insurer about adding a second car onto the policy. Some car insurance companies will provide you with a discount for including a second vehicle – often called multi car insurance.

Using a Comparison website

Online comparison websites provide a useful and easy way of getting car insurance quotes. No car insurance comparison website covers the whole market so it makes sense to use more than one source to ensure you are getting the right cover at the right price. You should also note that some insurance companies do not appear on comparison websites e.g. Direct Line Car Insurance and Aviva Car Insurance

Using a Car Insurance broker

If you are not sure what cover you need or want somebody to help you through the process there are many car insurance brokers who will be happy to help. A good insurance broker will not help you in buying car insurance but also provide support in the event that you need to make a claim.If you intend to use a broker you should check their FCA (Financial Conduct Authority) registration on the FCA website.

Providing correct information

In assessing the insurance risk an insurance company will rely on the information that you give as being accurate. Information provided will determine whether insurance is provided and the cost of premiums. It is therefore important that any information you provide is correct e.g. information on any driving offences where you have been given points can have a material impact on the premium you are required to pay. Non disclosure of such information at the time of application can result in a non payout in the event of a claim. If you are using a car insurance broker this is where valuable advice can be provided.

Cheapest is not always best

With insurance you generally get what you pay for so before you sign up to an insurance policy you should be aware of what you are covered for and what is excluded. You should consider what you need and ensure you are adequately covered. This may mean you have to pay more to get what you want.

Automatic Renewal

When you buy car insurance and you pay by direct debit some insurance companies will automatically renew your car insurance policy at the renewal date. You should receive a written notice of the car insurance renewal and any increase in the premium. If you are not happy you need to be proactive and shop around before the renewal date and cancel the existing policy before renewal.

Changing your mind

You have the right to change your mind within a set period normally 14 days from purchase of the car insurance policy and have your money returned.