Image captionMusician Alfie Jeffries insures his van by the hour
He shares a van which he uses for the band.
"Sometimes I'll only need to go to a rehearsal, so I only need to insure it for a couple of hours," he says.
"Sometimes I don't know how long the rehearsal is going to be, so I'll insure it for an hour, and then whenever the rehearsal finishes, insure it for another hour to get back."
How it works
Having signed up, motorists send a picture of their driving licence, as well as a selfie with the car they want to drive.
Buying an hour's insurance costs roughly £10, with day cover costing between £20 and £30.
However, anyone who drives more than a couple of times each month is likely to find it cheaper to buy a conventional annual policy.
The firm that supplies this temporary insurance - called Cuvva - does not supply black boxes to monitor whether you have stopped driving by the time the cover expires.
That leaves them open to criticism that motorists may drive faster to get to their destination, or even continue driving without insurance.
"At the end of the day they're breaking the law if they're not insured, and people know that pretty effectively," says Freddy Macnamara, the chief executive.
Drivers get a 15-minute warning before the policy expires, and they can then pull over and extend the cover.
Technology also now makes it possible for people to club together for insurance.
A firm called Laka - named after the Hawaiian goddess of prosperity and hula dancing - puts cycling enthusiasts in groups of a thousand or so.
They pay nothing upfront. However, at the end of the month any claims are totalled up, and shared between the members.
In good months, when there are no claims, they will pay nothing. In bad months, when there are several claims, their liability is limited, meaning they might pay a maximum of £40 or so.