Drive less, pay less: Is pay-as-you-drive insurance cover right for you?
Last Update Date: 05-10-2026
Published by Business Standard
Abhishek Kumar's role: Quoted
Abhishek Kumar pointed out the privacy concerns of usage tracking and cautioned that top-ups or penalties can erase savings for heavy drivers. He suggested estimating past mileage from service records, keeping a 15-20% buffer and checking whether add-on covers lapse.
More of Abhishek's views on insurance
Business Standard explains pay-as-you-drive motor insurance, where the own-damage premium is linked to the kilometre slab a car owner picks. It covers how slabs, top-ups and telematics work, how much the discount can vary, who the cover may suit or not suit, and the terms buyers should check before choosing it over a standard policy.
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Drive less, pay less: Is pay-as-you-drive insurance cover right for you?