Car Insurance Question

kitkat9933 · 13 Oct 2017 at 09:12

Let's say a car insurance policy is purchased to cover a vehicle for 10,000 miles.

If another driver who is ensured to drive other people's motors (3rd party in most circumstances), drives the vehicle, how does this affect the main drivers policy on the vehicle.

What's stopping someone purchasing a policy for 10,000 miles, driving 50,000, having an accident and then saying another party drove those additional 40,000 miles.

InvaderGIR · 13 Oct 2017 at 09:16

Nothing.

t-rex · 13 Oct 2017 at 09:31

Fear of getting caught for insurance fraud?

Diagro · 13 Oct 2017 at 09:32

Hi sir.

My cars had an accident.

I let my friend drive it for the week...

Oh the extra 40k miles ? Yes that was my friend.. he drove quite a bit this week.

Kthxby

Six6siX · 13 Oct 2017 at 09:34

I'd have thought it depends if it's a specific limited mileage policy or the usual mileage estimates.

kitkat9933 · 13 Oct 2017 at 09:48

t-rex said:
Fear of getting caught for insurance fraud?

I'm not condoning it. I am just wondering as I'm selling my current car and my new company car has been delayed for 6 days. So I'm going to be borrowing my mum's car which is only insured for her for 5,000 miles. If my company policy covers me for other cars (including hers which I've checked it does), I just want to make sure it doesn't effect her policy at all.

t-rex · 13 Oct 2017 at 09:53

kitkat9933 said:
I'm not condoning it. I am just wondering as I'm selling my current car and my new company car has been delayed for 6 days. So I'm going to be borrowing my mum's car which is only insured for her for 5,000 miles. If my company policy covers me for other cars (including hers which I've checked it does), I just want to make sure it doesn't effect her policy at all.

Just don't have an accident and you'll be fine.

killsta · 13 Oct 2017 at 09:55

t-rex said:
Just don't have an accident and you'll be fine.

This.

Semple · 13 Oct 2017 at 10:43

I've often wondered what the tolerance limits insurance companies will use.

Obviously no-one can predict their annual mileage. You can have a guess with something like i drive 10 miles a day total for commuting to work. assuming 48 weeks in a year gives about 2,400 miles a year. By the time you've thrown in various shopping trips, holidays, day outings, you could be anywhere from a couple of hundred miles over, or several thousand.

Would make more sense to use something like 5k increments, i.e.:
Upto 5,000
5,001-10,000
10,001-15,000
15,001-20,000
20,001-25,000
25,001-30,000
30,000+

Armageus · 13 Oct 2017 at 10:47

Semple said:
Would make more sense to use something like 5k increments, i.e.:
Upto 5,000
5,001-10,000
10,001-15,000
15,001-20,000
20,001-25,000
25,001-30,000
30,000+

How does that make any more sense - so I insure for 10,001-15000 but then do 15200 miles?

Common sense has to prevail - as I understand it, it's nothing more than an estimate, and isn't going to be looked into, unless there is already some suspicion of something wrong.

Glanza · 13 Oct 2017 at 10:50

Has anyone had insurance voided before for doing more miles than they gave when getting the quote :confused:

Nasher · 13 Oct 2017 at 11:20

Unless they take a miliage reading at the start and end of the year, how would they know how many miles you have done?

Only one insurer has ever asked me for a miliage reading.

theone8181 · 13 Oct 2017 at 11:22

Nasher said:
Unless they take a miliage reading at the start and end of the year, how would they know how many miles you have done?

Only one insurer has ever asked me for a miliage reading.

Mot at a guess

Nasher · 13 Oct 2017 at 11:23

theone8181 said:
Mot at a guess

That's only going to work after the car is 3 years old though

Psycho Sonny · 13 Oct 2017 at 12:14

Semple said:
I've often wondered what the tolerance limits insurance companies will use.

Obviously no-one can predict their annual mileage. You can have a guess with something like i drive 10 miles a day total for commuting to work. assuming 48 weeks in a year gives about 2,400 miles a year. By the time you've thrown in various shopping trips, holidays, day outings, you could be anywhere from a couple of hundred miles over, or several thousand.

Would make more sense to use something like 5k increments, i.e.:
Upto 5,000
5,001-10,000
10,001-15,000
15,001-20,000
20,001-25,000
25,001-30,000
30,000+

it's pretty easy to predict going off your MOT.

you need to do an MOT every year. it records your car's mileage.

I used to insure for 10K miles. then I went down to 2K miles when i changed job. I checked MOT and the first year I only did 5K miles. I will likely hit the 2K mile target this year however I did do a trip to London, Liverpool and back to Glasgow so I will likely be over this year.

However I justify it by putting down 10K the year before yet only going 5K.

theone8181 · 13 Oct 2017 at 13:18

Nasher said:
That's only going to work after the car is 3 years old though

I realised that after i'd posted and hoped nobody would notice

. I suppose technically there is no way to check on newer cars unless they're in an accident.

jpaul · 13 Oct 2017 at 15:00

the garage service record ?

Destination · 13 Oct 2017 at 15:43

I think the number of miles insured is the vehicles amount of miles, not the amount of miles authorised to the named driver.
So if 10K will be 10K, and any massive deviation might be noted.
Granted they don't usually ask for specific number of miles at each renewal, at least I don't recall such.

In other news I changed my policy today, as I am swapping car tomorrow. New version of same car, make, model engine slightly more powerful in new one, got money refunded as new one is cheaper, was well pleased.

PaulNash2000 · 6 Nov 2017 at 16:06

hi all,
Passed my test last week, mums in control of my insurance and won't tell me if she's updated it, is there a way of finding out if I can drive?

mattyg · 6 Nov 2017 at 16:09

Ask the police when they pull you over. Is it your's or her insurance. If its hers then make sure you actually have permission to drive the car