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    Pay As You Go Insurance



    If you have just bought your new car but donít feel a need of buying insurance due to low usage then think again as driving a car without proper insurance is very risky. The permanent annual insurance is usually availed by the car owners to protect their cars against all odds but this insurance may be available at hefty premium. The person whose car is not used quite often may feel this insurance nothing but the wastage of money. The insurance companies have therefore introduced the pay as you go insurance specially for those car owners who use their car rarely. This type of Insurance is also beneficial for safe drivers who drive in controlled speed and also for those who donít go out during prime time.

    Special features of pay as you go insurance


    • This insurance is mainly based on the distance travelled, speed of the car, the time of the day when car moves out, the locality which car usually visits and other such factors.

    • The odometer reading is noted in case of measuring distance as lower distance means lower insurance premium.

    • The speed of the car decides its safety. If the driver speeds up the car quite often then the premium will surely go up. If you want to reduce the expenses then control the speed.

    • The time of the day when car usually moves around. There are certain hours of the day when you find mad rush on the road while at some other time the traffic goes very low. Hence, the insurance company would note the time and charge the premium accordingly based on the amount of risk associated.

    • Certain roads or localities may also decide the insurance premium. The buzzing road would have more chances of accidents than the one that doesnít witness regular traffic. Thus, insurance company offering pay as you go insurance would decide the premium with the help of GPS device that will track the car for accident prone zones. Frequent accelerations and brake applications may also make you pay higher premium.


    There are many advantages of opting for Pay As You Go Insurance as you save unnecessary premium payment when the car is not in use. You may also get an extra cover while travelling longer distances as this may secure the no claim bonus on your existing annual policy. This policy can be availed online through a quite convenient process.