Annual mileage

ElkyElky

While looking through my insurance policy today, I noticed that I selected 2000 miles for the annual mileage question. I forgot all about this question and I have calculated to have done approximately 10k miles.

Because I underestimated the annual mileage on my insurance policy, could this render it invalid? Should I call them immediately to inform them that I have done more?

Thanks

Kilty_2

Technically yes.

[Deleted User]

Yes I would be letting them know as 10K from 2K is a huge difference. I went over my expected mileage last year too but only by about 700 miles. I've upped my limit this year though.

jase1

Yes, but the thing is how could they tell? I suppose that if the car is more than three years old then they have the MOT to check against (2000 miles is very low and more likely to incur querying, especially if you had an incident 200 miles from home), but I have to say that when I had my accident (car in good condition hit oil slick and belted a lamp-post at 30mph -- write-off) I don't recall them asking for the MOT anyway, so it's a tricky one.

I routinely put 20,000 miles on my form, but will do between 14 and 24k in a typical year so am leaving myself open on occasion myself.

But, if the car was less than three years old it'd be a *very* difficult thing for them to prove, especially if you've changed insurers in the meantime.

Parva

Insurers will use any get out clause that they can in the event of a claim. What more could they ask for than someone who only registered 1/5th of their actual annual mileage? Do you think that they won't discover this extras mileage? The MOT database alone would reveal results.

Phone them and change it ASAP.

harveybobbles

But you could argue and say that a friend also uses your car, hence the higher mileage than stated. As the questtion askes "What is YOUR annual mileage"

NeverAgain_2

In the event of a decent sized claim, I've known insurance assessors check the mileage of the car.

I think any discrepancy would have to be wide for them to be bothered, ie 75,000 miles on a two-year-old car when the policy holder said he was only doing 10,000 a year.

My advice to the OP would be to tell the insurance company straight away.

moonrakerz

Parva wrote: »

Insurers will use any get out clause that they can in the event of a claim. What more could they ask for than someone who only registered 1/5th of their actual annual mileage? Do you think that they won't discover this extras mileage? The MOT database alone would reveal results.

Phone them and change it ASAP.

House insurers have a way of "discouraging" this sort of thing.

If you insure your £40,000 of contents for £20,000, they will pay half of that ie: £10,000. On the basis that you half-insured !

Gloomendoom

Going over the estimated mileage happens all the time. It is, after all, an estimate.

If you notice that you are approaching your estimate, you are supposed to contact your insurance company and raise it

They may charge you an extra premium.

ElkyElky

The car is more than 3 years old. The mileage from the last MOT and the current mileage is more than 2k, MOT was done after taking the insurance policy.

I'll call them first thing tomorrow to change it.

bigjl

They can simply acccess the MOT database, unrefutable evidence of the vehicles annual mileage. Though I guarantee they would only check it if they wanted to avoid paying out a claim.