Car Insurance - Predicted Annual Mileage

SuperHan

glentoran99 wrote: »

Yes they would, but how would that help them determine if id gone over the mileage id told them I would do?

If you're insured for 10k miles a year and your car has done 50k+, I think they'd have a strong argument you were under insured.

They wouldn't know exactly, and I round up/down to the nearest thousand based the difference on my last MOT certificates, if I drive 10,450 on my 10,000 policy they're unlikely to know...

glentoran99

SuperHan wrote: »

If you're insured for 10k miles a year and your car has done 50k+, I think they'd have a strong argument you were under insured.

They wouldn't know exactly, and I round up/down to the nearest thousand based the difference on my last MOT certificates, if I drive 10,450 on my 10,000 policy they're unlikely to know...

They have no idea of my mileage now, so it could be 2000 or it could be 50000 so it I crashed the car tomorrow and the mileage said 45000 how would they know how many miles id driven. The car has never been MOT'd

dunstonh

glentoran99 wrote: »

They have no idea of my mileage now, so it could be 2000 or it could be 50000 so it I crashed the car tomorrow and the mileage said 45000 how would they know how many miles id driven. The car has never been MOT'd

If its not MOT'd then chances are it is new. So, starting at virtually zero.

if its not new, then the starting mileage would be available.

LittleMax

glentoran99 wrote: »

Nope car is only 3 years old so hasn't been MOT'd yet


and even if it has, Those extra miles could easily be my wife driving under her own policy

Not easily. If you are trying to pass off a high number of miles as being driven by a spouse the insurance company would start to question why you had not added your spouse to your own policy*. Why would you have your spouse driving your car only covered third party from their own policy? And does their policy cover them to drive other vehicles - many these days don't automatically include that.

You really are putting up lots of theoretical arguments to try to save a relatively small amount. Personally I would rather calculate my estimated mileage as best I can and make sure I am fully covered. What is an extra few pounds on the premium each year compared with the cost of them failing to pay out on a write off?

*presumably you do this to save another few quid?

dosh37

All the responses seem to be from people who don't really know the true answer. That's the problem with forums - you only get opinions and not definitive answers.
So I may as well claim that I do less than 500 miles per year and get the cheapest quote.

agrinnall

dosh37 wrote: »

All the responses seem to be from people who don't really know the true answer. That's the problem with forums - you only get opinions and not definitive answers.
So I may as well claim that I do less than 500 miles per year and get the cheapest quote.

You've been given reasonable answers, the fact that you're dismissing all of them suggests that the only answer you want is one that agrees with you, so it was a waste of time you starting the thread and anyone else replying to it.

Quentin

dosh37 wrote: »

All the responses seem to be from people who don't really know the true answer. That's the problem with forums - you only get opinions and not definitive answers.
So I may as well claim that I do less than 500 miles per year and get the cheapest quote.

You need to go to the Authority to get the definitive answer to your question.


Send a letter to your insurer (so that you get a reply in writing that you can keep on file for future reference if needed)


Suggested template:


Dear Sirs


Policy No.........


I am writing to enquire what action you will take were I to deliberately lie to you about my mileage estimate (in the hope a low estimate will reduce my premium) and subsequently get found out.


Please respond in writing.


Yours etc......

societys_child

glentoran99

They don't know the current mileage though, and as it wont be MOT'd until next year how would they possibly know what miles I have done between now and policy renewal?

They do know the current mileage because you're required to enter it on the proposal form.

The policy will require you to enter the mileage at inception and then each year, at renewal, what do you enter in the box that asks your current mileage?
If you lie and enter incorrect readings what happens if you have to make a claim and the current mileage doesn't add up with the false details you've given earlier?

Your policy is void due to fraud, now try getting insured again . . .

societys_child

dosh37 wrote: »

The lack of response suggests either apathy or a willingness to bend over and get screwed by the insurance companies. What's the point of a so called consumer forum that has no effect?

I'm not bending over, I don't have a policy which requires me to state my annual mileage.

LittleMax

dosh37 wrote: »

All the responses seem to be from people who don't really know the true answer. That's the problem with forums - you only get opinions and not definitive answers.
So I may as well claim that I do less than 500 miles per year and get the cheapest quote.

You'll be quids in...

...until the day you claim and subsequent investigation from your insurers leaves you uninsured!

As Quentin rightly says - if you don't believe us and want to check with your insurers, feel free!