No matter the payment option, we are a pay-by-mile policy. Your miles have to be measured, and you only ever pay for the miles you drive.
You can however choose to pay for the miles in different ways, so…
Pay in full - You can choose to pay an upfront fixed cost plus any estimated miles at your per mile rate. We then measure the miles you drive. If you drive less than you estimated, all your unused miles will be refunded at the end of the year. If you need to drive more, you can top up your miles as you go :)
Pay miles monthly - You can pay for just the miles monthly. The quote you get is made up of two parts: the upfront fixed cost, and your per-mile rate.
You pay the upfront fixed cost when you buy - that gets you a 12 month fully comprehensive insurance policy (whilst you are parked up) and if you don't drive at all, you won't pay any more than that. We measure the miles you drive. You then pay for the exact number of miles you drive each month, at your per mile rate.
When you get your quote, just click 'Change Payment Option' to see a breakdown of the different ways to pay for your pay by mile policy. Depending on your details, you might not see every payment option here. Check out this FAQ for more information about spreading your fixed upfront cost.
Pay monthly - Finally, If you choose our monthly policy, the quote you get is made up of three parts: the fixed upfront cost, the fixed monthly cost and your per-mile rate.
When you buy, you pay the fixed upfront cost. After that, you will pay a fixed monthly cost on the same day every month - that gets you the fully comprehensive insurance policy (whilst you are parked up) and if you don't drive at all, you won't pay any more than that. We will then measure the miles you drive. You'll pay for the exact number of miles you drive each month, at your per mile rate, on top of your fixed monthly cost.