One in three U.K. drivers would consider buying non-annualised motor policy in the next year with pay-as-you-go product as most appealing

LexisNexis Risk Solutions spearheads improvements in NAP data for the motor insurance industry

LONDON, Feb. 28, 2023 /PRNewswire/ — As nearly a third of U.K. drivers report that they are driving less to keep costs downi, new research from LexisNexis® Risk Solutions, the data, advanced analytics, and technology provider to the insurance market, indicates that one in three purchasers of motor insurance would be interested in buying a non-annualised policy (NAP) in the next 12 months, with pay-as-you-go policies having the most appealii. The findings are detailed in a new white paper, “Flexible, favourable, practical, profitable: Uncover consumer perceptions of non-annualised policies (NAPs) and their growing value in the motor insurance market.” 

LexisNexis Risk Solutions

In preparing the white paper, LexisNexis Risk Solutions undertook research with Consumer Intelligence to demonstrate the awareness, experiences and appetite for temporary, short-term and pay-as-you-go motor insurance cover. It also highlights the need for greater industry collaboration to build more intelligence around non-annualised policies to support underwriting, pricing and reduce fraud.

Key findings:

  • 5.4 million U.K. motorists have used at least one NAP during the last two years
  • Recognition of the concept is high with 71% saying they are familiar with NAPs for motor insurance
  • The most commonly cited reason for using a NAP (38%) is a need to borrow someone else’s car, but other reasons for their use include a need for additional flexibility and policyholders using their car less
  • NAP users are more likely to be younger, have higher incomes, have children in their households and live in metropolitan areas. They are also more likely to adopt new technology quickly than are non-users
  • 12% of NAP users are gig economy drivers for ridesharing services, compared to only 1% of non-users

Andrew Ponter, insurance product manager, U.K. and Ireland, LexisNexis Risk Solutions, said, “Consumers want choice and flexibility―perhaps now more than ever as household budgets are squeezed. People are also thinking differently about their car use and the associated costs from an environmental perspective. NAPs for motor insurance can help consumers protect themselves when car-sharing, car-swapping and for temporary use so that cover is in place for the time when and if insurance is needed.

“Our research has been driven by the insurance market’s appetite for greater insights around a NAP data enrichment solution. We are working with insurance providers to explore how shared data on NAP policies could be used to refine the design, risk assessment and distribution of these solutions to benefit consumers and insurance providers alike.”

About LexisNexis Risk Solutions 

LexisNexis® Risk Solutions harnesses the power of data and advanced analytics to provide insights that help businesses and governmental entities reduce risk and improve decisions to benefit people around the globe. We provide data and technology solutions for a wide range of industries including insurance, financial services, healthcare and government. Headquartered in metro Atlanta, Georgia, we have offices throughout the world and are part of RELX (LSE: REL/NYSE: RELX), a global provider of information-based and analytics and decision tools for professional and business customers. For more information, please visit and

Media Contacts:

Alison Reeson, Clare Watson, Parm Heer at HSL

0208 977 9132, 07876 597466

[email protected]

Annalysce Baker

Manager, Global Communications

Insurance and Connected Car

LexisNexis Risk Solutions 


[email protected] 


ii LexisNexis Risk Solutions partnered with Consumer Intelligence to survey more than 2,000 UK consumers, to assess levels of awareness and understanding of different types of NAP, reasons for their use; and consumers’ experiences when applying for and using these products, June 2022.

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