Multiple outlets report that consumer group Which? says some motorists who pay for car insurance monthly are effectively charged annual rates close to 30% compared with paying in full. The reports frame this as a “poverty premium,” arguing that monthly payments are often the only feasible option for households under financial pressure. Which? highlights that while instalment plans can help spread costs, the total amount paid over the year may rise substantially for certain customers. The coverage also notes that the issue affects motorists choosing monthly premiums rather than annual payment, and that the higher cost may not be fully apparent at the point of signing up. The articles present the claim as part of broader scrutiny of pricing differences between monthly and annual insurance payments and the potential impact on affordability for people who cannot pay upfront. The reports do not provide specific company-level figures in the excerpts provided, but they consistently attribute the central point to Which? and its assessment of the cost of monthly insurance.