Can I pay the owner directly instead of paying on the website ?

No, in order to confirm your hire, you must pay via the website. Furthermore, the payment is followed by the subscription of the insurance contract.

If you, or the owner decide to bypass the website by not paying the service fees or the insurance, has rights to cancel the insurance contract, to expel you from the website and to charge a penalty. Moreover, by taking this risk, you also put your no claims bonus at risk.