Annual mileage on car insurance

Tim_UK_3

The insurance company have no way of knowing how many miles you have driven on their policy - if it was queried you would just say you let someone else use the car.

harveybobbles

hstudent wrote: »

Elephant's pricing is weird. I'd save £10 a year by leaving my car on the road instead of in a garage!

Elephant in general are pretty !!!!! anyway... Took me 6 months to get them to pay out. They're quick enough at taking the money...

My argument which mileages on car insurance is this:

Surely someone who does 40,000 miles a year is less likely to have an accident as they have more experience of being on the roads than someone who does 4,000 miles a year. So the higher mileage user should pay less.

MX5huggy

Er no.... for that to work the big milage driver would have to at least 10 times less likley to have accident, in way they already do this as a 40k driver won't be paying 10 times for the same policy as a 4k driver.

Miss_Liquorice

I'm a brand new driver (passed my test on monday, yipee!) and I genuinely have NO clue of a ballpark figure for my annual mileage. My friend suggested going with 7,000 for the first year and seeing from there. Does that seem a reasonable figure? I'm at the end of my degree s can't even predict how muc commuting I'll be doing as I'll (hopefully) be getting a new job n coming months....

MX5huggy

Seems fair enough note down the mileage now and keep monthly tabs on it and ring the insurance company if you are doing more than the 580 a mth 7000 gives you.

daveyjp

hstudent wrote: »

Elephant's pricing is weird. I'd save £10 a year by leaving my car on the road instead of in a garage!

Why is that wierd? Why should leaving it in a garge be cheaper? Facts will be Elephant will have more claims from those who say their car is kept in a garage than those who don't, therefore it costs more.

dacouch

Miss_Liquorice wrote: »

I'm a brand new driver (passed my test on monday, yipee!) and I genuinely have NO clue of a ballpark figure for my annual mileage. My friend suggested going with 7,000 for the first year and seeing from there. Does that seem a reasonable figure? I'm at the end of my degree s can't even predict how muc commuting I'll be doing as I'll (hopefully) be getting a new job n coming months....

You could work a rough ball park figure out by working out the distance from your home to your work, multiply it by how many days a week you do then multitply it by 52 (Your days off will give you a safety net). Then you just need to add an amount for private driving eg if your family live a long way away add a higher amount.

You will probably do quite a few miles in your first year as you will be constantly offering to drive as it will be a novelty.

P.S Congratulations

suki1964

MX5huggy wrote: »

Seems fair enough note down the mileage now and keep monthly tabs on it and ring the insurance company if you are doing more than the 580 a mth 7000 gives you.

How can you say that when the only information offered was the OP was a new driver who couldnt even predict what her commute was?

Im a new driver and my brand new car already has 4000 miles on it - in 9 weeks. Hubby has less then 7000 miles in two years.