Limited mileage car insurance

ggordster

Hi I have an insurance policy which limits me to 5000 miles per year but the problem i have is my partner has been using my car alot lately as his car is off the road at the moment so when declare my mileage when my renewal is due it will be more than the 5000 i am allowed to do but i will only of used the car for upto 5000 miles. How does this work?

Gloomendoom

ggordster wrote: »

Hi I have an insurance policy which limits me to 5000 miles per year but the problem i have is my partner has been using my car alot lately as his car is off the road at the moment so when declare my mileage when my renewal is due it will be more than the 5000 i am allowed to do but i will only of used the car for upto 5000 miles. How does this work?

If you think you are going to do more miles than you agreed, you are supposed to contact your insurer before you exceed the limit and ask them to increase it.

System

It depends how long it takes you to replace the broken speedometer cable.

lisyloo

How does this work?

If your circumstances change so that you are doing significantly more mileage then you need to contact your insurer about your current policy and get it amended.
The insurer prices the policy on the facts given to them and if any of those change you need to get the policy amended (and if necessary pay more premium and admin fee).

Is this just short term?
You are not expected to monitor your mileage, so if it's short term and is only going to be a few hundred then personally I wouldn't bother.
If it's a long term change and is likely to result in thousands of extra miles then you need to inform your insurer now.

Quentin

lisyloo wrote: »

You are not expected to monitor your mileage, so if it's short term and is only going to be a few hundred then personally I wouldn't bother.

Poor advice!

Of course you have to monitor the mileage with a limited mileage policy!