Pay how you drive insurance is a special type of motor vehicle insurance that take into consideration how you drive. This simply means your driving habits dictate your premiums i.e. speeding, braking, parking, positioning, stops e.t.c.
If you happen to be a rough driver who speeds, breaks suddenly and positions themselves near obstacles/objects, you will obviously pay higher premiums compared to the careful driver who breaks gradually and leaves enough space between the car and objects.
Pay how you drive insurance is simply aimed at charging premiums according individual driving habits. This helps to address the ”unfair” practices of motor insurance where everyone is charged the same premium regardless of how you drive. In principle, you shouldn’t be charged the same premium with someone who is a worse driver than you.
Pay how you drive insurance considers all possible factors to ensure car owners are charged fair premiums.