Annual mileage

goldspanners

but as harveybobbles said they only ask what your annual mileage is, not the cars annual mileage.
so you could drive 5000 miles per year and your partner could drive 5000 miles per and your 2 children could do 5000 miles per year in the same car giving the car a mileage of 20,000 miles per year but each driver only drove 5k each.

remember your insurance form asked how many miles per year you do.

not how many miles per year does the car do.

DCFC79

Why not tell them, explain how you have changed jobs or soemthing like that,

SailorSam

I was watching a guy talking on the Bbc last week that some insurance companies are trying to get back into policies were you pay for what you use. They were showing some of the latest gizzmos that could monitor not only the number of miles you drove but when; where; and how you drove. They said if it could prove you were a safer driver i.e. no speeding or harsh braking or perhaps not driving at pub closing times, premiums may be lower.

mikey72

goldspanners wrote: »

but as harveybobbles said they only ask what your annual mileage is, not the cars annual mileage.
so you could drive 5000 miles per year and your partner could drive 5000 miles per and your 2 children could do 5000 miles per year in the same car giving the car a mileage of 20,000 miles per year but each driver only drove 5k each.

remember your insurance form asked how many miles per year you do.

not how many miles per year does the car do.

They ask how many miles you want the policy to cover.
If they're all named drivers, on your policy, that's 20,000 miles.
You could argue when they refuse to pay out, you could take it to the FOS, even if you win, you'll be within the money for the car for a year or so, and even then I doubt you'd win.
You could argue they all drove under their "other car" extension on their insurance, or you lent it to your neighbour for the year. Even if you prove it, and make them pay out after they've refused, it'll still be a year later.

mikey72

jase1 wrote: »

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.

Unless you don't want paying out for a "fsh", and they either ask for the service book, or the dealers records.
No service history for a 1 or 2 year old car would knock a fair amount of their offer though.

FATBALLZ

Every insurance application I've filled in asks for 'estimated annual mileage', not maximum. Therefore if you estimate 10k and do 12k then the insurance company would need a pretty strong case that you knew you'd do nearer 12k than 10k when you took the policy out to avoid paying up. But in reference to the OP yes you should tell them that 2k is wrong as it's clearly not your real estimate.

jd82

Just tell them you are doing more milleage due to a change of circumstances . If you tell them now it won't make sure insurance invalid. You do need to tell them though.