Six apps to cut cost of car insurance – and you could save up to £200 a year

DRIVERS could be paying over the odds for car insurance especially if you are young or don't make a lot of journeys.

But several apps could save you up to £200 on your insurance by tracking how much you actually use your car and the type of driver you are.

Insurers use a range of factors to work out how much to charge drivers for car cover.

Premiums are influenced by the type of vehicle, your age, experience, your job and where you live.

But several apps have emerged in recent years that try to challenge traditional insurance pricing.

These firms claim it is unfair that insurers use generic measures such as how long someone has been driving for and where they live, which doesn't accurately reflect how they drive.

Instead, users can download apps that monitor their habits and price insurance according to the type of driver they are.

The average cost for fully comprehensive car insurance is £468, according to the Association of British Insurers.

But the apps below claim they can help drivers access cheaper deals.

The savings can equal up to £200 in some cases, based on an average insurance policy.