Car Insurance - Predicted Annual Mileage

molerat

societys_child wrote: »

glentoran99They 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 . . .

I have never entered current mileage on an insurance proposal form or told them subsequent mileage readings.

glentoran99

dunstonh wrote: »

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.

3 years old. So where would the starting mileage be available?

glentoran99

LittleMax wrote: »

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?

Yes my wife's policy includes other cars, as does mine, I'm not actually trying to save any money as I actually tell my insurer probably more than I do,I'm genuinely interested as to how they could possibly know

glentoran99

societys_child wrote: »

glentoran99They 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 . . .

I've never ever been asked the cars mileage when insuring it,

LittleMax

glentoran99 wrote: »

Yes my wife's policy includes other cars, as does mine, I'm not actually trying to save any money as I actually tell my insurer probably more than I do,I'm genuinely interested as to how they could possibly know

There are a number of ways they could try to work it out, and if they suspect you have lied they will dig deeper. If you make a claim on something that happens at work or on the way to work will you lie again and tell them you were travelling somewhere else? If you tell the truth they then know where work is and will do a rough calculation of your annual mileage.

If you don't make a claim, no they will probably not find out. As with all insurance it is when you come to make a claim, that these things matter. They employ loss adjusters who are looking for anything they can to say your insurance is not valid so that they do not have to pay out.