How does pay as you drive insurance differ from traditional car insurance?

Traditional car insurance involves fixed premiums based on projected usage that typically exceeds 15,000km, while pay as you drive insurance adjusts costs based on actual kilometres travelled, benefiting those who drive less.

What happens if I exceed my agreed mileage?

Exceeding the predetermined mileage may result in additional charges or a reassessment of your premium. It's crucial to understand the terms of your policy to avoid unexpected costs. In most cases, if you think you're going to exceed your agreed mileage, you can pay to top it up.

Can I switch to a traditional policy if my driving habits change?

Yes, many insurers allow policyholders to switch between pay as you drive and traditional policies. If you anticipate an increase in your driving frequency, discuss options with your insurer to ensure continuous and appropriate coverage.

How is my driving monitored under a pay as you drive policy?

Monitoring methods differ by insurer. Some may require periodic odometer readings, while others utilise telematics devices or mobile apps to track kilometres in real-time.