Pay as you drive is a revolutionary short-term car insurance product that works out the monthly premium based on the amount of kilometres the client drives. Since driving your vehicle fewer kilometres in a month lowers your exposure to risk, your premium will be lower. For people who travel only to work and back in their insured vehicle, this kind of short-term car insurance policy is ideal. Other people may prefer to have a set monthly premium so this kind of insurance would not be ideal. Ultimately, the level of insurance you buy for your vehicles, household contents, retirement, medical care and life are dependent on the level of insurance you require and the amount of money you have available to spend on the cover. It is therefore important to research all your options to ensure you choose the policy that is right for you.