What are the peak, off peak and super peak times?
Two main categories of Driving Times: – Peak Times (both Experienced and Young Drivers) • Mon to Fri 7:30am – 9:30am & 4:30pm to 6:00pm (excluding public holidays – see appendix) – Off-Peak Times • Any time outside peak or super peak times. If there is a driver on the policy under 23 years old then there is also ; – Young Driver Super Peak Times • Fri, Sat, Sun night/mornings: 11:00pm to 5:00am • Night/morning of a Public Holidays: 11:00pm to 5:00am Off peak costs less per mile than the other two. Basically you tell us the miles that you will drive in the year (roughly) and then we make an assumption on the amount of hours you will do in rush hour and super peak (if applicable ) You can then amend those splits if you don’t think they are right. We then allocate a rate per mile and give you a forecasted insurance cost which you can control through the year. If you drive less than you forecast then your insurance cost will go down and vice a versa.
