Doing more than stated mileage

[Deleted User]

I under estimated how many miles I'd be doing this year on my insurance meaning I'm going to reach my stated annual mileage very soon. What would happen if I didn't notify the insurance company? Would they not pay out in an accident if they found out I had done more miles?

Dave_Z

Officially, you should tell them. That said, they'd probably find it difficult to prove otherwise unless you were seriously flaunting the rule (i.e. doing 40k/year and declaring 10k/year).

Inactive

Tell them, don't risk it, we live in a Big Brother state now, I bet Insurers have access to MOT databases, with recorded mileages.

sassy_one

I wouldn't inform them.

Its doubtful they would increase your insurance this year on these grounds, however they may.

If you have less than 6 months to run on your current policy let it run, as long as you do not go over 10000 miles until your policy is done you should be fine.

They would not know your mileage prior to the policy starting, and I doubt they would checked every MOT test recorded for every claim, it would cost them a huge amount of time

skiddlydiddly

The mileage bands are quite broad anyway.Try an insurance calculator and you'll see there can be no difference between doing 3000 and 6000 miles a year.
IIRC if you exceed your stated mileage, in the event of a claim they can reduce any subsequent claim payouts accordingly.

iolanthe07

Tell them, just to be on the safe side. Unless there is a huge discrepancy they won't charge any extra.

Lirin

Good idea to tell them. Most won't have a problem, but in the event that you had an accident and hadn't told them, exceeding your mileage would potentially give them a loophole to declare your policy null and void.

Thanks as well- you just reminded me I need to send in a Mileage Declaration to my company!

10JH

Did you tell them the mileage when you started the policy? If not, how would they know?

Pew_Pew_Pew_Lasers!

meh, I've done it loads of times, and just given them the mileage at renewal.

They don't care.

vaio

10JH wrote: »

Did you tell them the mileage when you started the policy? If not, how would they know?

MOT records might show it

movilogo

No need to tell unless you're doing dramatically more mileage than stated.

There should not be any problem during a claim either.