What have you done to your car today?

acemastr said:
I wouldn't have told them, I don't know a single person on a normal policy who has been asked for mileage proof.
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OK well to be honest, I haven't actually increased the mileage just yet.

I have made the change from social and commuting to social commuting and business, which put it up from £81 to £87 a month, so that I'm covered for Monday when I start.

If I change it from 10K PA to 20K PA it will take it to £117 a month. I was going to hold off from doing that until I have had precisely this discussion with a few people...

One, will they actually ask for proof of mileage under any circumstances? And two, whats to say that I didn't put thousands of miles on from driving on private roads, or doing hundreds of dyno runs? Or maybe "I have a thing for lifting the front wheels off of the ground and pretending I'm a race car driver sir." :p
 
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acemastr said:
Are you actually using it for business or simply traveling to work?
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My place of work is Burgess Hill (about 15 miles away from me) and for one month in every three, I will be driving straight from home, to New Malden (about 60 miles away from me) instead of going to Burgess Hill, to provide support and advice to a financial company we manage IT services for.

So my place of work is *sort of* Burgess hill for months 1 & 2, and New Malden for month 3, but my office is in Burgess Hill...
 
Better than that BMW rubbish with too many gears. :p

What you want is a CVT with lock in overdrive. Dems da futures.
 
MOOGLEYS said:
£110 a month on insurance :eek: Being old has its advantages....:)
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£87 at the moment as I haven't upped my mileage on my policy yet, but yeah it is pretty steep. That said, only £27 a month more than my Polo was, for 4x the horsey's.
 
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MOOGLEYS said:
£110 a month on insurance :eek: Being old has its advantages....:)
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My XKR and Scoob were about that price per month maybe even £120... but then I was 23...

I can't quite imagine paying that much for a hatchback :S

When I first passed my test it wasn't even that much to drive a few year old comfy saloon car :S

Now I pay under £50/month for a Porsche and BMW with extended European cover :D
 
Fitted my newly rebuilt 16v gearbox, clutch, and stainless gear linkage set ready for installation tomorrow! :D

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crinkleshoes said:
My XKR and Scoob were about that price per month maybe even £120... but then I was 23...

I can't quite imagine paying that much for a hatchback :S

When I first passed my test it wasn't even that much to drive a few year old comfy saloon car :S

Now I pay under £50/month for a Porsche and BMW with extended European cover :D
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Bear in mind that the £110 a month is:

- Fully comprehensive
- Only 2 years NCB
- 20 year old driver
- 20,000 miles per year
- Business mileage
- £150 voluntary excess
- All the legal/injury/breakdown/etc extras
 
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Acme said:
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One, will they actually ask for proof of mileage under any circumstances? And two, whats to say that I didn't put thousands of miles on from driving on private roads, or doing hundreds of dyno runs? Or maybe "I have a thing for lifting the front wheels off of the ground and pretending I'm a race car driver sir." :p
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I wouldnt say lying to your insurance company is ever a good idea..
 
Acme said:
Bear in mind that the £110 a month is:

- Fully comprehensive
- Only 2 years NCB
- 20 year old driver
- 20,000 miles per year
- Business mileage
- £150 voluntary excess
- All the legal/injury/breakdown/etc extras
Click to expand...

Yes, rather pricey... you must live in a high-risk area.
 
Acme said:
One, will they actually ask for proof of mileage under any circumstances? And two, whats to say that I didn't put thousands of miles on from driving on private roads, or doing hundreds of dyno runs? Or maybe "I have a thing for lifting the front wheels off of the ground and pretending I'm a race car driver sir." :p
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I thought something similar a while ago.

All of the car insurance policies I've seen base their mileage calculation on clocked miles, irregardless of if they've been on a track or not.

I looked into this when I was considering a Caterham and only needed insurance to get to/from track pretty much... but no, it's clocked miles.

And from experience of going through a claim, they do check the current mileage and ask for your last MOT - which states the last mileage.

If the previous owner did the last MOT, then you could argue the point that (s)he put on the excess mileage before you got it, but if you did the MOT then you'd be in a spot of bother.

Some limited mileage policies (mostly classic car type policies) as for proof of the current mileage when you take out the policy... but your average insurer won't do that.
 
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