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In most cases, paying for your car insurance annually (upfront for the year) is generally cheaper than choosing to pay in monthly instalments.

That’s because annual payments often avoid the interest or service fees that can be added to monthly plans.

But, there are benefits to paying for your insurance monthly, too.

In this guide, we’ll take a look at the pros and cons of paying monthly and annually, helping you to decide which option works best for you.

Why choose an annual car insurance policy?

Over the course of a year, you’re likely to save more money by paying for your insurance annually rather than monthly.

That’s because paying monthly is a bit like getting a loan from your insurance company. You’re basically spreading the annual cost of your policy over 12 months.

This “loan” often comes with interest and service charges, which get added to the cost of your policy. By paying your insurance annually, you can avoid these charges, helping to reduce the overall cost of your insurance over time.

Let’s say the annual cost of a car insurance policy is £1,200. There’s a monthly payment option, but the insurance company applies an interest rate. This raises the total cost to around £1,450 for the year. So, paying monthly will actually cost you £250 more over 12 months than paying annually.

Why choose a monthly car insurance policy?

While monthly insurance payments can cost you more over time, they also offer more flexibility, helping you to manage your budget throughout the year.

The cost of your car insurance is broken down into smaller chunks, so it’s a good option if you can’t afford a larger payment upfront.

Emma is a university student with a part-time job. Her budget is tight, so she can’t afford the annual renewal quote her car insurer has given her. Instead, she chooses the monthly payment option. This allows her to spread the cost over the year, helping her to manage her monthly budget while still getting the cover she needs to drive.

How can you lower your car insurance costs?

There are a few things you can do to help reduce your car insurance costs:

 – Some insurers allow you to choose a higher 

, which can help to reduce your regular insurance payments. Just be sure that you can afford to pay out if you need to make a claim.

 – A moderately-priced car, with a smaller engine and good security features, can help to lower your insurance group, which means lower insurance costs.

 – This proves to insurers that you’re a safe driver, helping to reduce how much you pay for your cover.

 can help you to reduce your costs through safe driving.

Before deciding whether to pay your car insurance monthly or annually, first take some time to assess your finances, your budget, and the type of cover you need.

While annual payments are typically cheaper over the long run, monthly payments can offer you more flexibility, allowing you to manage your budget more easily. It all comes down to what works best for you.

Can I cancel my car insurance if I pay monthly?

Yes, you can cancel your car insurance policy even if you're on a monthly payment plan. You just need to give your insurance provider notice about your decision to cancel. Before you go ahead, first check whether you’ll need to pay any early cancellation charges – some insurers charge these fees as standard.

Can I cancel my yearly car insurance policy?

Yes, you have the freedom to cancel your yearly car insurance whenever you need to. If you cancel at renewal, there usually won't be any fees. But, if you cancel before the renewal period, you might need to pay a cancellation fee.

In any case, make sure you have another insurance policy in place if you still plan to use your car.

Does car insurance get cheaper after a year?

Your car insurance could become cheaper after a year, especially if you've driven carefully and avoided making a claim. This allows you to start building your 

, which is a feature insurers use to give you a discount when you renew.

Some insurers also offer an add-on which allows you to protect your no claims bonus. So, even if you’re involved in an accident and need to make a claim, your discount should be protected and applied to your policy when you renew.

Is van insurance cheaper when paid annually rather than monthly?

 is usually cheaper when paid by the year, rather than by the month. Paying your van insurance upfront in a single annual payment usually means that you avoid the interest fees that are often added to monthly payment plans.

How to make car insurance cheaper for younger dirvers?

 is a very common question. Typicaly insurance for 

younger drivers is more expensive due to the higher risk profile

. However, they can make car insurace cheaper by choosing a car in a lower insurance group, increasing the voluntary excess, installing a telematics device or black box, and completing a Pass Plus or advanced driving course.

Not sure whether to pay for your car insurance by the month or the year? Use this guide to help you decide which option works best for you.

Should I pay my car insurance monthly or annually?

As a new or young driver, finding good insurance at an affordable price can be difficult. With little experience on the road, insurers are likely to consider you as high-risk — at least for the first couple of years while you build your driving history.

And, you guessed it,   with that higher risk comes higher insurance costs.

This is especially true for new private hire drivers. That’s because your insurance has to cover not just you and other road users, but the passengers you’re carrying, too.

So, is there a way to pay a fairer price for private hire insurance as a new driver?

The type of car you drive can make a big difference to the cost of your

Insurers typically work out the price of your policy using insurance groups, ranging from 1 to 50. Vehicles that are more powerful and expensive to repair or replace tend to fall into a higher group, which means a higher cost to insure.

By choosing a modestly priced vehicle, with a smaller engine and good range of security features, you can help to lower your insurance risk 

If you’re able to, try adding an older, more experienced driver to your policy.

If you’re a young driver, this could be a parent or family member — someone you know and trust, and who is likely to use your car from time to time.

By adding a more experienced named driver to your policy, you can help to lower the overall insurance risk, and therefore lower the costs, too.

Just be sure that the person who drives the vehicle the most (you) is listed as the main driver. If a named driver is found to be the primary driver, it could invalidate your insurance and land you in some trouble.

Telematics is a type of technology that measures how well you drive. By driving safely, 

you can prove to your insurer that you’re a good driver

, which helps to lower your insurance risk. And that means lower insurance costs, too.

As a young driver, it’s a clever way to 

start paying less for your insurance sooner

, especially while you build your driving history and no claims discount.

 is our app-based telematics policy. Unlike similar policies, you don’t need to install a 

device in your car, everything is done through our easy-to-use app on your smartphone.

upfront, because we trust that you’re a good driver. Then we measure how well you drive over time. You’ll even get a driver score to show how you’re doing.

By driving safely, you’ll build a high score,  and a higher score means better discounts when you renew. Clever, right?

In fact, drivers with a Zego Sense policy can 

 the price before a Sense discount is applied at renewal.

. It only takes a minute, and we’ll give you a price right away. 

*When you buy a Sense policy, your upfront payment is 10% cheaper than a standard policy, as of 01/05/23.

**32% discount is the maximum that can be achieved by Sense policyholders who have a driver score of 95 and above, as of 05/09/23.

As a new driver, finding affordable insurance can be tricky. Luckily, there are a few things you can do to help lower the price. Learn about them here.

How to pay less for your insurance as a new driver

Whether you're tackling steep gradients in the countryside or dealing with stop-start traffic on an incline, knowing how to move off smoothly without rolling back is crucial for road safety. It’s also an important part of the UK driving test, where examiners assess your ability to control the vehicle confidently.

With the right techniques, you can gain confidence in handling inclines and prevent common mistakes that lead to stalling or loss of control. This guide covers expert hill start techniques, including clutch bite point control, accelerator balance, and handbrake use, ensuring you pass your driving test and drive safely in real-world conditions.

A hill start refers to moving off from a stationary position on a gradient, whether uphill or downhill. In a manual car, this requires precise clutch control to prevent rolling back, while in an automatic, it’s more about managing brake release and accelerator input.

The key challenge in a manual transmission is finding the biting point, where the engine power engages with the wheels, allowing you to move forward without stalling or losing control.

Hill starts are a critical component of the UK driving test and everyday driving. Examiners will observe how well you control the vehicle, ensuring you can move off smoothly without causing inconvenience or danger to other road users.

Beyond the test, real-life driving situations – such as stopping at a hill junction or in traffic – require good hill start technique to prevent accidents, improve fuel efficiency, and reduce wear on your clutch and brakes.

How to perform a hill start in a manual car

To begin a hill start in a manual car, start by applying the handbrake and fully depressing the clutch. Next, select first gear and gently press the accelerator to raise the engine revs to around 1,500–2,000 RPM. Slowly lift the clutch until you feel the car attempting to move forward, which is known as the biting point.

At this stage, release the handbrake smoothly while maintaining slight acceleration. As the car moves forward, continue to lift the clutch gradually while balancing the accelerator, ensuring a controlled and smooth transition. If the car struggles or begins to judder, hold the clutch steady rather than releasing it too quickly to 

How to perform a hill start in an automatic car

Hill starts in an automatic car are generally more straightforward. Begin by keeping your foot firmly on the footbrake while selecting 'D' (drive). If your car is equipped with hill start assist (HSA), it will hold the brakes momentarily after you release the footbrake, giving you time to apply acceleration.

To move off, release the footbrake smoothly while gently pressing the accelerator. Be mindful of how much throttle you apply, as excessive input may cause the car to surge forward unexpectedly. The key to a successful hill start in an automatic vehicle is to transition smoothly from the brake to the accelerator while maintaining control of the car.

What is hill start assist and how does it work?

Hill start assist (HSA) is a technology designed to prevent rollback by holding the brakes for a few seconds after you release the footbrake. It uses incline sensors to detect a hill and automatically applies the brakes until you apply enough acceleration to move off.

This feature varies between manufacturers but is especially useful for new drivers who need extra time to transition between the brake and accelerator.

One of the biggest challenges for learners is avoiding stalls when attempting a hill start. Stalling is often caused by releasing the clutch too quickly or failing to apply enough throttle. To prevent this, keep your engine revs steady at around 1,500–2,000 RPM before releasing the clutch.

Always find the biting point before releasing the handbrake to prevent rollback. Avoid over-revving, as too much acceleration can make the car lurch forward unpredictably. If you do stall, don’t panic. Simply reapply the handbrake, restart the engine, and calmly repeat the process, ensuring that you balance the clutch and accelerator correctly.

Preventing rollback is an essential skill to master, particularly in busy traffic or on steep inclines. The best way to achieve this is by using the handbrake whenever you come to a stop on a hill.

When moving off, ensure you have found the biting point before releasing the handbrake, as this will allow you to move forward smoothly without losing control. Proper accelerator input is also key; applying too little throttle can cause the car to stall, while excessive acceleration may result in sudden movement. Choosing the correct gear is important as well, with first gear being the best option for uphill starts and second gear sometimes preferable for gentle downhill gradients.

How to perform a hill start facing downhill

Moving off downhill requires a slightly different technique. Start by keeping your foot on the footbrake while selecting an appropriate gear, which is often second gear to allow for better control.

As you prepare to move, release the handbrake gradually while maintaining pressure on the footbrake to prevent the car from rolling too quickly. Engine braking can be used to regulate your speed rather than relying solely on the footbrake. Carefully balancing the clutch and brake ensures that you maintain stability and control while moving downhill.

What to expect in your driving test (hill start assessment)

During your driving test, the examiner will assess your ability to carry out a hill start smoothly and safely. They will look for a controlled move-off, ensuring that you do not stall or roll backwards. Your use of clutch and accelerator control is important, as is your ability to release the handbrake at the correct time.

Observation is another key factor; checking your mirrors and blind spots before moving off is essential to demonstrate awareness of other road users. Minor rollback may not necessarily result in a test fault if corrected quickly, but significant rollback, stalling, or a lack of vehicle control could impact your result.

Many learners struggle with common hill start mistakes, including releasing the handbrake too early before reaching the biting point, applying insufficient throttle which can lead to stalling, and rushing gear changes, which disrupt smooth movement.

Panic braking is another frequent error, often caused by a lack of confidence. Instead of braking suddenly, try to remain calm and focus on balancing the pedals. Foot positioning is also important; keeping a steady, controlled application of both the clutch and accelerator will lead to smoother hill starts.

By mastering hill starts, you’ll build confidence in your driving abilities and ensure a smoother experience on the road. With practice and the right techniques, you’ll soon find hill starts second nature!

Can I use the handbrake for every hill start?

Yes, using the handbrake for hill starts is a recommended technique, particularly in a manual car. The handbrake prevents rollback while you find the biting point, ensuring a controlled and smooth move-off. It is especially useful on steep gradients, where rolling resistance is higher, and in situations where you may need to hold your position for a longer period.

However, in modern cars equipped with HSA, the system automatically holds the brakes momentarily, reducing the need for the handbrake in certain conditions. Regardless, developing good clutch control alongside handbrake use is essential for mastering hill starts in all situations.

Is it legal to roll back slightly on a hill start?

A small amount of rollback is generally not illegal, but it can be considered a minor fault in the driving test if it occurs due to poor control. If the rollback is excessive and poses a safety risk to other road users, such as rolling back into another vehicle, it could be classified as a serious fault, potentially leading to test failure.

In real-world driving, allowing your car to roll back could create dangerous situations, especially in traffic. Using the parking brake or keeping good clutch and accelerator control is the best way to avoid rollback and ensure safe hill starts.

Should I skip gears when moving off on a hill?

In most cases, starting in first gear is the best option for a hill start, as it provides the necessary power to move the car forward without straining the engine. However, in certain situations – such as a downhill start or when driving a vehicle with high torque – it may be appropriate to start in second gear to prevent excessive wheel spin or jerky movement.

 is important, and skipping gears unnecessarily when moving off uphill can cause strain on the gearbox and result in sluggish acceleration. Proper rev matching and selecting the right gear for the gradient will improve fuel efficiency and vehicle performance.

Why do I struggle with hill starts in traffic?

Hill starts in traffic can be particularly challenging due to frequent stopping and starting, requiring quick and precise clutch coordination. If you find yourself stalling or rolling back, it may be due to not finding the biting point in time or not applying enough throttle. Stop-start driving conditions often require smooth accelerator input and quick reaction times to prevent delays.

Additionally, if you're driving a manual car, resting your foot too long on the clutch can cause clutch wear, making gear changes less responsive.

Practising smooth transitions between the clutch, accelerator, and handbrake will help you build confidence and handle hill starts in congested areas more effectively.

Perfect your hill starts with expert guidance on clutch control, accelerator balance, and handbrake use. We explore how to avoid stalling or rolling back, and ensure a smooth, controlled start—whether you're learning to drive or preparing for your UK driving test.

How to master hill starts and clutch control

Pulling up on the right and reversing is one of the key manoeuvres you may be asked to perform during the UK driving test.

Introduced by the Driving and Vehicle Standards Agency (DVSA) as part of the independent driving section, it assesses your ability to park safely against the flow of traffic and then rejoin the road smoothly.

While the Highway Code generally advises parking on the left, understanding how to execute this manoeuvre correctly is essential for real-world driving situations where pulling up on the left isn't practical.

Pulling up on the right and reversing is a key UK driving test manoeuvre, assessing control, safety, and observation. Though the Highway Code favours left-side parking, this skill is vital when that’s impractical. Master it with proper instruction to meet DVSA standards.

With the right guidance from a driving instructor, you can master this skill with confidence, ensuring you meet the test requirements while demonstrating good control and awareness.

In this blog, we’ll break down the steps for pulling up on the right and reversing, explaining how to perform it safely and effectively in line with DVSA expectations!

When performing the pull-up on the right and reverse manoeuvre during the UK driving test, the examiner will assess your ability to complete it safely, legally, and with good control. The DVSA marking criteria focusses on key aspects such as observation, accuracy, and vehicle control, ensuring that you demonstrate safe driving habits throughout.

Observation is critical, and the examiner will expect you to check your mirrors before signalling and steering across the road. Blind spot awareness is particularly important when pulling up on the right and when moving off again. Failing to check for approaching traffic, cyclists, or pedestrians could result in a test fault. Throughout the manoeuvre, effective hazard perception is essential, ensuring you remain aware of potential risks such as oncoming vehicles or pedestrians crossing near your car.

Control and accuracy also play a significant role. Your road positioning should be appropriate, with your car stopping a safe and practical distance from the kerb – too far away could suggest a lack of precision, while too close risks hitting the kerb. When reversing, smooth control is essential. The examiner will watch for correct use of the clutch, brake, and steering to ensure your movements are slow and controlled. Maintaining good reversing control and not veering into the road is key.

Applying the handbrake when necessary, particularly before changing gears or when stationary, will demonstrate sound vehicle control. Gear selection should also be appropriate; for example, ensuring you are in reverse before starting to move back and selecting first gear correctly when setting off again.

Test faults may be given for errors such as poor observation, lack of control, or unsafe road positioning. Serious or dangerous faults, such as failing to notice an approaching vehicle when pulling across the road or rolling into traffic when moving off, could result in a test failure. However, if you maintain full control, check your surroundings carefully, and follow your driving instructor’s guidance, you can complete this manoeuvre confidently and meet the examiner’s expectations.

Pulling up on the right and reversing is important for when parking on the left isn’t possible. It tests observation, control, and road positioning, ensuring you can safely manoeuvre against traffic while rejoining the road without creating hazards.

When pulling up on the right, it’s essential to choose a safe stopping location where you won’t create hazards for yourself or other road users. Always check for oncoming traffic before crossing the road, ensuring there’s a safe gap. Avoid stopping too close to parked vehicles, as this can make reversing difficult or obstruct traffic.

Never park near junctions, bends, or pedestrian crossings, as these reduce visibility and increase risks for both you and other drivers. Be mindful of driveways, ensuring you don’t block access for residents. Look out for road obstructions, such as bus stops, cycle lanes, or loading bays, as stopping in these areas may be unsafe or prohibited.

Check for yellow lines and road markings that may restrict parking. Maintain a safe distance from the kerb enough to avoid obstructing the road but not so close that you risk hitting it while reversing.

Finally, consider visibility concerns. Avoid stopping in poorly lit or high-traffic areas where it may be difficult to see approaching vehicles. Choosing a suitable location ensures you can perform the manoeuvre safely, maintain good control, and rejoin the road smoothly without creating unnecessary risks.

The MSM (mirrors, signal and manoeuvre) routine is essential when pulling up on the right, and it all starts with good observation. First, check your interior mirror to see what’s behind you, then your right-hand mirror to spot any vehicles approaching from behind. Before moving, don’t forget a blind spot check over your right shoulder to catch anything your mirrors might miss.

Once you’re sure it’s safe, put on your right indicator to let other road users know what you’re about to do. Positioning is important here – you want to steer smoothly towards the centre line, but not too sharply, keeping your approach controlled and predictable. If there’s oncoming traffic, wait for a safe gap rather than trying to rush across.

As you move over, use clutch control to stay steady and apply progressive braking to bring the car to a smooth stop. Make sure you’re parallel to the kerb and not too far out into the road. The key is to make this a smooth transition – no harsh braking or sudden movements. Once parked, apply the handbrake and select neutral, then take a moment to check your surroundings before starting the reversing part of the manoeuvre.

When you're pulling up to stop, first look for a safe and legal spot, making sure it's not too close to driveways, junctions, or bends. Before slowing down, check your mirrors and signal if needed. When you approach the kerb, aim for a shallow angle – this way, you won't have to steer too sharply, which could cause the front wheels to hit the kerb. Try to keep the car nice and straight, so you're positioned parallel to the kerb, ideally around 20-30 cm away.

As you slow down, apply the brake gently, and be mindful of the road camber, as it can make your car pull slightly to one side. Just before you stop, press the clutch to avoid stalling, then bring the car to a full stop. Once you’re fully stopped, put the handbrake on and shift into neutral.

Remember, always try to stop smoothly rather than slamming on the brakes – it gives you better control. And keep an eye on the road ahead when you’re ready to go again to make sure there’s no traffic or hazards.

When rejoining traffic, start by checking your mirrors, following the mirror sequence (left mirror, right mirror, then centre mirror). Always be aware of your blind spots by checking over your shoulder before moving. Signal to indicate your intention to rejoin the road, ensuring other road users are aware of your move.

Before pulling out, check for traffic in both directions, ensuring there’s enough space and time to merge safely. Once clear, accelerate smoothly to match the speed of the traffic flow. Position your car correctly in the lane you’re merging into, making sure you're not cutting across or drifting out of your lane.

Adjust your speed as necessary, making sure you’re not too slow or too fast. When merging, do so gently and safely, avoiding any sharp moves. Be mindful of pedestrians and cyclists, especially at junctions or bus stops, as they may be harder to spot but are equally important to keep an eye on when rejoining traffic.

Mistakes on the road can lead to driving test faults and can be dangerous if not corrected. Practice, awareness, and confidence are key to avoiding them! Here are our top tips below:

 – when stopping or reversing, especially on the right side of the road, drivers may hesitate, unsure of the right moment or position. This can confuse other drivers and affect the flow of traffic.

 – pulling up too close to the kerb or drifting too far into the road is a common mistake. Not keeping enough space for other vehicles or pedestrians can be hazardous.

 – when reversing, it's easy to forget to check mirrors and blind spots properly. This increases the risk of colliding with other vehicles or pedestrians, especially in busy areas.

 – when reversing, oversteering can cause you to turn the wheel too sharply, making it harder to control the vehicle and potentially hitting the kerb or another vehicle.

 – driving in reverse too quickly can make it difficult to judge distances or hazards, leading to a higher risk of accidents. It’s important to reverse slowly and steadily.

 – when pulling up on the right or reversing, taking too long can block the flow of traffic behind you, causing frustration or even creating a dangerous situation for other road users.

 – not using indicators when pulling up on the right-hand side or reversing can confuse other drivers, who may not anticipate your actions.

 – a lack of confidence, especially when reversing or pulling up on the right in a busy area, can lead to hesitation or misjudging the space, increasing the risk of mistakes.

 – when pulling up on the right near busy roads, hesitation or second-guessing can cause you to be in the wrong place at the wrong time, disrupting traffic flow or causing you to block other vehicles.

 – not getting the correct distance from the kerb when stopping or reversing is another mistake. Either being too close or too far can cause unnecessary risks or take up too much road space.

 – not being aware of pedestrians, cyclists, or other vehicles when pulling up or reversing can lead to accidents. It's important to check all around before moving.

In the UK, it’s not illegal to pull up on the right side of the road, but there are specific circumstances where it’s not recommended. According to the Highway Code, parking or stopping on the right should only be done if it is safe, legal, and if no other option is available. It’s important to consider the DVSA regulations, road safety guidelines, and the potential impact on traffic flow. 

When stopping or pulling up, you must avoid obstructing the road or causing inconvenience to other road users. In a driving test, stopping on the right might be a fault if it’s not done safely or appropriately. Always follow test regulations and pay attention to any examiner instructions. Enforcement of stopping rules is strict, and failure to comply with legal parking rules can result in penalties.

What if I can’t find a suitable space to pull up?

If you can't find a suitable space to pull up, it’s best to abort the manoeuvre and continue looking for another location. When you're on a driving test, your examiner may instruct you to adjust your road positioning, and if conditions are unsafe or the space isn't ideal, they’ll understand if you don’t stop. 

Always prioritise safety and try to make a safe decision, even if it means driving on for a while before finding a better spot. In heavy traffic situations, it’s essential to stay calm, adjust your speed, and wait for an appropriate opportunity to stop. Your judgement here is key, and examiners will assess your ability to make decisions under pressure.

Master pulling up on the right and reversing for the UK driving test. Learn key tips on observation, control, and road positioning to perform this manoeuvre safely. Avoid common mistakes and pass with confidence.

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