Annual mileage likely to increase

zazou

I put x,000 miles down as my likely annual mileage on my insurance form.
Now, less than 8 weeks into the deal, I've covered about 40% (yes, Scotland is faaaaaaaar away:p) .

Usage type has not changed, i.e. the car is only used occasionally on weekends for longer trips.

Now should I worry about me going over what I estimated I'd be driving and update my policy or is this trivial?

wealdroam

Wasn't it an estimate you gave them?

At the time you gave your estimate, that was the figure, wasn't it?

Does it say in your insurance documentation that you should update this estimate from time to time?

Just out of interest, is your estimate now for the whole year much different?
In other words, are you expecting to add mileage at the same rate as you have over the last eight weeks, for the rest of the year?

Trebor16

There is nothing to stop you from phoning your insurer and asking what would happen if you found your mileage was going to go above the estimate that you gave them.

bryanb

My insurance company said they allow an error of up to 1000 miles. No idea what happens if you don't inform them though.
Most policies require you to notify changes of circumstances though.

jase1

I've often wondered how they would enforce this -- seeing as you do not tell them how many miles the car has done before the start of the policy.

I guess they could consult the MOT database but this isn't especially reliable.

Just because a 5 year old car has done 100,000 miles (for example) doesn't mean you've covered 20,000 in the last year.

bryanb

jase1 wrote: »

I guess they could consult the MOT database but this isn't especially reliable.

I can't see why not, especially if you owned the car from one MOT till the next.

w211

Also how would the insurance know that only you drive the car, and you don't lend the car to anyone else.

bryanb

w211 wrote: »

Also how would the insurance know that only you drive the car, and you don't lend the car to anyone else.

It's the car they insure!

Sgt_Pepper_2

bryanb wrote: »

It's the car they insure!

So the other driver can't drive it on their policy?

Jakg

bryanb wrote: »

I can't see why not, especially if you owned the car from one MOT till the next.

Who says I drove those miles on UK roads, what about if I drove it on private ground for 20k miles, would my insurance be invalid?

What if I let my friend drive my car for 20k, with his own insurance?

What if I get a new speedo for my car, but don't get the mileage corrected and my car now says it's done double the amount of miles?

What if the MOT tester puts the wrong mileage down when he tests the car? (it happens)

bryanb

Jakg wrote: »

Who says I drove those miles on UK roads, what about if I drove it on private ground for 20k miles, would my insurance be invalid?

What if I let my friend drive my car for 20k, with his own insurance?

What if I get a new speedo for my car, but don't get the mileage corrected and my car now says it's done double the amount of miles?

What if the MOT tester puts the wrong mileage down when he tests the car? (it happens)

Too many what if's - convince the insurance companies, not me!