Car insurance mileage

dacouch

attila_ wrote: »

Family member reversed into another friends car. Both were write offs due to their age...no mention of wanting to see MOT.

I think the potential is there to cross-check the mileage but in reality they never would.

That's unusual as Insurers usually require sight of the current MOT for a write off as it affects the value of the car. They may have just checked the MOT's and mileages online

[Deleted User]

What if someone else drives your car under their DOC insurance, will that still count towards the annual mileage that you told the insurance company?

E.g. I could do 10K a year and told my insurance company that I did 10K a year also. But then a family member could use my car under their DOC insurance and do another 5K over the year.

Ultrasonic

attila_ wrote: »

I think the potential is there to cross-check the mileage but in reality they never would.

As someone who does actually tell insurance companies an accurate annual mileage estimate I must confess I'd be a little irritated if this is true.

Ultrasonic

Deleted_User wrote: »

What if someone else drives your car under their DOC insurance, will that still count towards the annual mileage that you told the insurance company?

E.g. I could do 10K a year and told my insurance company that I did 10K a year also. But then a family member could use my car under their DOC insurance and do another 5K over the year.

Interesting question. Presumably it shouldn't count towards the mileage you told your insurance company since they aren't covering the car a the time, but as you're pointing out if the car is used in this way it would make it impossible to check your own mileage via MOT records, or anything else I can think of quickly.

attila_

Ultrasonic wrote: »

As someone who does actually tell insurance companies an accurate annual mileage estimate I must confess I'd be a little irritated if this is true.

So do I but it doesn't bother me at all knowing that. Drive cleanly, its the quickest way of getting cheaper insurance...not lying about a couple of thousand miles.

pitkin2020

Deleted_User wrote: »

What if someone else drives your car under their DOC insurance, will that still count towards the annual mileage that you told the insurance company?

E.g. I could do 10K a year and told my insurance company that I did 10K a year also. But then a family member could use my car under their DOC insurance and do another 5K over the year.

the car still has to be insured by yourself (for example) for someone else to be able to drive it on their policy. The mileage you include as the policy holder covers the whole car not just the mileage you do as the policy holder.

As others have said the insurers can check mileage history if they so wish, and if they work out you have been doing it for a considerable time(underestimating the annual mileage) they could come down hard. Its not exactly hard for them to prove it either unless your clocking the car.

Ultrasonic

attila_ wrote: »

So do I but it doesn't bother me at all knowing that. Drive cleanly, its the quickest way of getting cheaper insurance...not lying about a couple of thousand miles.

I've been driving for 17 years and have been lucky enough to have never had an accident or made a claim of any sort. I'd still have to pay more for my insurance if I said I did 30,000 miles a year than 8,000 miles a year. And reasonably so I'd suggest.

Ultrasonic

pitkin2020 wrote: »

The mileage you include as the policy holder covers the whole car not just the mileage you do as the policy holder.

Are you certain about that? It doesn't seem to make any sense? Surely the point of the mileage estimate is because someone is more likely to be involved in an accident if they're on the road more. If the car is being driven such that it is covered by another insurer, why would the owner's insurer care how far the car went?

advantix

pitkin2020 wrote: »

the car still has to be insured by yourself (for example) for someone else to be able to drive it on their policy.

Not always, my policy allows me to drive any vehicle not owned by me or hired to me on DOC cover. It also states it is irrespective of whether the other car is insured or not. So the other vehicle does not always need insurance.

boomerangguy

I used to drive a Peugeot 405 turbo diesel estate 1800cc. I decided to buy a smaller car for cheaper road tax and brought a smaller Ford Fiesta 1272cc car. All the details are the same for insurance purposes. I am a mature driver with 9 years no claims bonus

I was expecting the insurance for the new car to be considerably cheaper as it also as airbag and immobiliser. However when I got the renewal the price of the new car was CONSIDERABLY MORE than the old car. I dont understand why this could be any ideas? I have tried a number of sites and get a similar answer.