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Pay as you Drive

Pay your premiums based on the kilometers driven.

According to the new scheme of IRDAI, Pay as You Drive Insurance policy is the ideal choice for those who own multiple cars but are not used on a regular basis.

To offer Pay as You Drive insurance policy, IRDAI was given the target to reach 10,000 policy holders to consider it as a regular insurance policy and in India very few insurance companies provide this such as –

TATA AIG
Go Digit
Bharati AXA
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Benefits of buying Pay as you Drive car insurance

Benefits of the Pay as you Drive Car Insurance can be availed by people who use their cars once in a while, either because they are out for business or family trips, or they prefer to use public transport for reaching their destination.

Things to know before you choose Pay as You Drive.

  • Pay as You Drive is usage-oriented car insurance. You can avoid paying the unnecessary premium if you are sure about the approximate distance you would prefer to travel in a span of one year.
  • The premiums will be based on the standard coverage kilometers such as 3000kms, 5000kms, 7500 kms and they might differ from one policy to the other policy insurance.
  • Choose between the slabs of the kilometers which you might think you can drive and are suitable to your needs.
  • The premiums will be based on the kilometers you choose and it may slightly vary from other insurers. Selection of Add-ons also contributes to the premiums.
  • Insurers will install the device/ telematics which can track the driving (the number of kilometers driven with the location, speed & acceleration and core behavior of the car while on the go including the driving behaviors)
  • While tracking, the device shows the number of kilometers left to reach the slab of the insurance and it can be renewed anytime, during the insurance tenure or after the completion of it.

    • FAQ's

    According to the Pay as You Drive terms and conditions, telematics will be installed freely for your car. So be aware if any insurance company asks you to pay for the device installation.

    To expand the kilometers coverage limits, contact the insurer online and the premiums will be added according to you next slab selection and this can be renewed anytime online.
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