Mileage limit on Car Insurance

longbb

alan_d wrote: »

Re the mileage done - what if you were to lend your car to someone else, who has DoC cover via their own policy (and therefore no new policy or paperwork needed), and they do say 1000 miles in your car.
YOU have not driven those miles. but the car has covered more than estimated number.
No-one can prove if you did or did not drive the miles.
So I don't see how an insurance company can dispute this in a claim event.

Yes, you are technically right, and that could be one of the arguments in my favour.:beer:

longbb

engineer_amy wrote: »

I would seem to agree that in the event a claim was made before the end of this period of insurance, and you were asked (and answered honestly) of the annual mileage, they would ask you to pay whatever the difference in premium would have been at the higher mileage (or possibly deduct it off any settlement payout you would get).


Given that there is only 2.5 months left until renewal, I would cross your fingers that you don't have to make any claim, and revise your estimate to reflect reality for the coming year's insurance. That's what I would do in your situation.


And to only be going over by 1.5k, its not a massive overshoot. Its not like you estimated 6k to keep the premium down, but were actually driving 25k per year, every year.

People may call me only listening to what I wanted to hear, but I have the same thinking in my mind. Especially given the mileage difference between my last two MOTs was less than 6k, which means the estimate was well supported at the time of initial quote. :rotfl:

Heliflyguy

alfie1950 wrote: »

I have always found that when buying car insurance increasing the annual mileage on the quote from , say , 6000 to 10000 miles actually reduces the premium.
When I enquired , I was told , that while when you drive less miles there's less time on the road for the possibility of accidents but generally speaking the more you drive the more experienced you are so you are considered a better risk.

That sounds like typical insurance nonsense. You could have many years of driving experience. The year before you may have done 50000 miles but this year and a new insurer you will only do 5000.
So according to the above your experience resets and your a c**p driver again.

Heliflyguy

Oh and what happens if in month 11 you have an accident and have only covered 4000 miles but insured for 10000 miles?

EdGasketTheSecond

The MoT mileage recorded can't be relied upon. They misread it one year on mine and it looks as though I did 100 miles one year and 12,000 the next instead of 6K in each.


Personally I would let it run until renewal and up the figure then; it's an estimate, nothing more.

mirko

One of my old MOT certificates said my car was on 900,000 rather than 90k. Only noticed it a few months after when someone had clearly accidentally added another digit.

OhhEnnEmm

It's a shame we have to have such in-depth discussions about decisions that should be super-simple, but aren't because car insurance companies are filthy effing c-sucking mother-truckers!