Insurance milage question

coxmattycox · 22 Dec 2009 at 18:17

Hi all,

Obviously the lower annual milage you set, the cheaper your insurance quote. How important is this to ensurers though, i.e if you have set 5000 miles and have done 8000 does that then make your insurance void? or do they not really care

Thanks

Matt

Janesy B · 22 Dec 2009 at 18:20

I find adjusting the mileage makes little difference for me.

SilverTongue · 22 Dec 2009 at 18:35

I have a 12,000 mile "limit" on my insurance, if I were to claim then my excess is increased by £1 per 10 miles, however as they did not ask for the milage of my car when I got my insurance I'm not sure how they can use this clause...

Janesy B · 22 Dec 2009 at 18:38

Interestingly the company that offered me the cheapest insurance gave me unlimited mileage as a perk. I don't think it makes a huge deal at all. The companies that do give you heavy discounts for being an occasional driver might get annoyed with you if you take the ****. It is an estimate after all...

john_s · 22 Dec 2009 at 19:19

willatwell182 said:
I have a 12,000 mile "limit" on my insurance, if I were to claim then my excess is increased by £1 per 10 miles, however as they did not ask for the milage of my car when I got my insurance I'm not sure how they can use this clause...

Nice.

I had to send a mileage declaration in for my insurance... not that I'm bothered, I'll not get anywhere close to the limit this year.

dovey · 22 Dec 2009 at 19:43

Could they look up mot details assuming you had been in ownership of the car for the year? The difference between 6000 and 9000 was something like 18 quid so I gave myself a higher limit for peace of mind.

ZG002 · 22 Dec 2009 at 19:51

This is something I've actually always wondered. I rarely used to keep a car over a year but always put in a mileage I would likely do. Putting in a lower mileage would bring my premium down £50 or so sometimes.

OllyM · 22 Dec 2009 at 19:57

dovey said:
Could they look up mot details assuming you had been in ownership of the car for the year? The difference between 6000 and 9000 was something like 18 quid so I gave myself a higher limit for peace of mind.

That's not a great indicator though - somebody else could have driven your car using their DOC cover, or a temporary insurance policy adding lots of miles for all they know.

Zirax · 22 Dec 2009 at 19:57

Janesy B said:
Interestingly the company that offered me the cheapest insurance gave me unlimited mileage as a perk. I don't think it makes a huge deal at all. The companies that do give you heavy discounts for being an occasional driver might get annoyed with you if you take the ****. It is an estimate after all...

What insurer gave you the unlimited mileage offer? Curious as mine is due for renewal.

Peerzy · 22 Dec 2009 at 19:58

Mines set at 5k cause it was the cheapest, likely to do about 8k but they'll never know.

blade007 · 22 Dec 2009 at 23:29

Peerzy said:
Mines set at 5k cause it was the cheapest, likely to do about 8k but they'll never know.

your annual mileage will be recorded in your MOT, if they want to check.

[TW]Fox · 22 Dec 2009 at 23:39

blade007 said:
your annual mileage will be recorded in your MOT, if they want to check.

Whats that supposed to prove unless your policy start date was the same date as your MOT? :confused:

mattyprice4004 · 22 Dec 2009 at 23:44

[TW]Fox;15581036 said:
Whats that supposed to prove unless your policy start date was the same date as your MOT?

Also, someone could have DOC cover - my mum uses my car sometimes. I take it this isn't included?

So really they have no way of proving it.

DiG · 22 Dec 2009 at 23:47

Presumably it would be something for the court, ie they would have to prove that you the estimate you provided was deliberately wrong, I'm completely guessing though.

I put down (after working it out) 8k, then forgot about it, just checked and last year I did 18k! Good job I didn't crash!

[TW]Fox · 22 Dec 2009 at 23:49

DiG said:
Presumably it would be something for the court, ie they would have to prove that you the estimate you provided was

–verb (used with object) 1. to form an approximate judgment or opinion

?

DampCat · 23 Dec 2009 at 00:00

The company I work for cares little about mileage unless it's in the extreme. If you're insured SDP and you're doing 300,000 miles a year they might raise an eyebrow.

[TW]Fox · 23 Dec 2009 at 00:01

I worked out what my daily commute was, added on a bit for driving at the weekends etc, and then gave that. I'm not sure what else you can do and it is an estimate not an exact future prediction!

spoonz · 23 Dec 2009 at 13:41

Completely pointless question of no consequence only purpose is to hike premiums. That is from someone senior in motor insurance.

Unless you have a specific "limited mileage" policy, it makes no odds.

Think about it, they don't even ask you the mileage on the car when you take out insurance so how can they enforce it? Question witnesses who have seen driving over the 5000 miles you stated? gather evidence from every petrol station you visited?

Anybody who answers this question honestly is a retard. (unless you have a specific "limited mileage" policy) obviously. Its called an estimate for a reason, and my guess work could be wildly wrong as far as I am concerned.

ZG002 · 23 Dec 2009 at 13:49

That's settled then. Next year I will be doing 5k a yr lol

iaind · 23 Dec 2009 at 13:51

surely they could use it in the event of a claim? So if you crashed on the way to your permanent place of work, which is 50 miles from your home, you're unlikely to be doing 5k miles a year.

That was always my assumption, although it is just an assumption