For young drivers looking for a cheap way to insure their vehicles, pay as you go car insurers will only charge you a fee only when you need to drive. There is no need to buy 1 day car insurance under 21 multiple times throughout the year since your insurance cover is activated the moment your car moves. So for young persons who use their cars infrequently such as for 1 day, 1 week or 1 month, etc this will be the best temporary car insurance plan for you since you will not waste money insuring your car when it is left in the car park for months. There are various PAYG car cover available from top UK companies such as Aviva, Coverbox, Norwich Union etc.

Coverbox Pay As You Drive Car Insurance For 21

Currently, the Coverbox pay as you drive insurance plan provides comprehensive cover and includes windscreen protection, personal accident and personal possessions, free courtesy car, etc. They will help you install a tracking device in your vehicle for free that help accurately calculate your true insurance costs only when you drive. It also protects against car theft since the police can use it to trace where your vehicle is if it is stolen.

We believe pay as you drive car insurance is the answer to curb future rising costs for young drivers under 21. When you drive less, you pay less! The technology makes it possible to charge different insurance rates for the time of the day. For instance, traffic is heavy during peak hours and the risk of accidents is higher. The tracking device can monitor whether you are driving during peak, super peak or off peak timings and calculate your insurance cost accordingly. This is a lot fairer compared to paying a flat fee car insurance premium as it is right now.

An example extract of the peak and off peak hours according to Coverbox PAYG Car Insurance Company:
- peak timing
Mon to Fri 7:30am – 9:30am & 4:30pm to 6:00pm (public holidays not included)
- off peak timing
any time outside of peak and super peak timing.

For new drivers under 23 years old, there is an additional super peak timing at night because of the increased risk of accidents due to the high probability of drink driving after partying.

- super peak timing for young drivers
Fri/Sat/Sun/Public Holidays 11:00pm to 5:00am

Your PAYG insurance costs are calculated by the number of miles driven during each of the peak/off-peak/super-peak timings. During sign up, you just need to estimate the number of miles that you will be driving for the whole year during these timings. There is no need to be very accurate since these estimates can be amended for free any time. The main purpose is to help you get a forecast on your no deposit pay as you drive car insurance costs and check whether you have the budget for it. If you end up driving more than the estimated mileage, you will be billed accordingly. If you drive lesser, you get a refund from Coverbox.

Aviva Pay As You Drive Monthly Car Insurance With Low Deposit

This Aviva PAYD car insurance for under 21 is designed in such a way that you make a small fixed monthly payment and a variable component that depends on how far you drive, and during what timings. Our car insurance calculator shows that those who drive less than 6000 miles a year can save 30% on average with Aviva low deposit pay as you drive insurance.

A GPS mileage tracking device will be installed in your vehicle for free within 14 days after you have signed up. You can also get add on services such as satellite navigation and speed camera alert through the Aviva PAYD tracking device. There is a help button for instant access to 24 hour RAC breakdown cover in case you need roadside vehicle recovery or assistance.

Norwich Union Pay As You Drive Car Insurance

This temporary car insurance plan has actually been suspended in 2008 due to being too early for the market adoption during that time. The main reason was that car owners are required to pay for the GPS tracking box and installation fees. However, Aviva and Coverbox companies are now offering these for free when you sign up for pay as you drive car insurance with low monthly fees for young drivers under 21.