When you book a car with us you have to use our special insurance that covers peer to peer car sharing. This is not a sales tactic to make you spend more (we earn £0 from your insurance as this goes directly to the insurer), it is because standard motor insurance does not cover car sharing. 

There is a number of factors that impact the cost so here is a quick overview. 

Insurance underwriters write policies for lots of motor clients and their experience across the wider market impact all insurers. So even though we may not have many claims here at hiyacar, our pricing may still be effected by the performance of the wider market. 

Young drivers statistically account for a higher volume of claims so pricing will always be higher.

The car you choose has a big impact on the insurance price. Cheaper value cars are usually offer better value insurance as they are cheaper to repair and usually less powerful so have few accidents. If your pricing looks high then try a cheaper car to see if your cost is reduced. 

For some reason, members who book in advance get into fewer scrapes, so we have priced accordingly.