Limited Mileage Insurance proof?

Luddi

Hi
My car insurance has a limited mileage policy of 3000 miles, at the start of which I had to send a photograph of the odometer, whats required at the end of the policy? another photo? surely I could just take one earlier and change the date?? or do they require a photo of the new MOT ?

also anyone know what the charge is if you go over by a few hundred miles?

DCFC79

Luddi wrote: »

Hi
My car insurance has a limited mileage policy of 3000 miles, at the start of which I had to send a photograph of the odometer, whats required at the end of the policy? another photo? surely I could just take one earlier and change the date?? or do they require a photo of the new MOT ?

also anyone know what the charge is if you go over by a few hundred miles?

What does your policy say about this ?

No 1 will be able to answer what the charge could be as you haven't mentioned the insurer and you have the policy.

Luddi

DCFC79 wrote: »

What does your policy say about this ?

No 1 will be able to answer what the charge could be as you haven't mentioned the insurer and you have the policy.

I'm with Ageas/Adrian flux, cant find anything on the charge only you must inform them if the estimated annual mileage changes...

Alter_ego

I doubt if they will check your mileage unless there is a claim

chris_m

Luddi wrote: »

or do they require a photo of the new MOT ?

If they wanted that, surely they could just check the DVSA records for the MOT records?

Since the MOT certificate is, I believe, printed on plain paper nowadays, I doubt it's beyond the wit of many to cobble one up themselves so I suspect the DVSA records will be considered the definitive.

DCFC79

Luddi wrote: »

I'm with Ageas/Adrian flux, cant find anything on the charge only you must inform them if the estimated annual mileage changes...

Phone and ask them re the charges.

System

I've had limited mileage classic car policies and in my experience they don't bother about a few hundred miles.
Also the exact start and cut-off points are very vague. When you take out the policy they aks for the "current" mileage, and the periodic MOT snap-shots obviously do not coincide with the actual end date. So in practice you have a lot of leeway as to what mileage you declare while still being technically correct.
When I once had to replace a faulty mileometer the reading went backwards by about 50,000 miles.I asked them if they would like me to clock it by winding it forwards to the correct mileage, but they said that frankly it didn't really matter. Since then they have dropped the whole restricted mileage pretence, and I get unlimited mileage for two cars for £91.

Luddi

It was going to cost £91 to add another 500-1000 miles to my existing 3000 lol they can get tae France!

HappyMJ

Luddi wrote: »

It was going to cost £91 to add another 500-1000 miles to my existing 3000 lol they can get tae France!

Then when you reach 3,000 miles you should stop driving the vehicle if you wish to be covered for damages. If you were to be in an accident then you would not be covered. If you were to keep the car on the road at the 3,000 limit that would give you protection from fire and theft for the remainder of the policy year. You wouldn't be able to drive it until you renewed the policy. You could start a new policy if you wanted to drive again.

Luddi

HappyMJ wrote: »

Then when you reach 3,000 miles you should stop driving the vehicle if you wish to be covered for damages. If you were to be in an accident then you would not be covered. If you were to keep the car on the road at the 3,000 limit that would give you protection from fire and theft for the remainder of the policy year. You wouldn't be able to drive it until you renewed the policy. You could start a new policy if you wanted to drive again.

I have about 200 miles before I reach the limit and the policy runs out on June 4th :eek:

ukmike

Say someone else put on the extra miles driving under their own insurance!