Learner car insurance mileage - Will they assume we are fronting?

Hunter_Jaeger

Sounds like a glitch in the system.

sevenhills

Hunter_Jaeger wrote: »

Really ?

Why don't you try to get a quote with 20,000 miles, come back and tell us how much cheaper it is.

DigForVictory

Thank you for this - just explained insurance & fronting to son who is absolutely fine with putting me as a named driver on his insurance "But It Would Be My Car!"
Splendid....

chrisw

You just have to be careful playing around with settings.

If you'd put for example 20,000 and then changed it to 6,000, it would flag up on their system that something might be amiss.

I told my son to see how much his quote was with business use as it costs usually next to nothing and might possibly be useful one day. It came back as an extra £70 so he took out the insurance without it. They then threatened to cancel and he had to get a letter from work stating that he wouldn't need the car for business.

Penelopa.Pitstop

I remember that in past with AIG it was cheaper to put more miles in a quote. With another company, I also went from 10K pa to 25K pa during one year and only paid extra £25. I was adding mileage as it was increasing, I think I called them twice during policy year.

Marvel1

sevenhills wrote: »

If you put 20,000 you are commiting fraud and the insurance company could refuse to pay out if there was a serious accident costing them thousands.
If there is no accident, no one is likely to find out, do you want to risk it?
Do you not understand what it means, when you do not tell the truth?
The milage is recorded, every time the car has a MOT.

I thought putting say 5000 bit you did 8000 is fraud?

HogMan

That is just poor estimating
The quote process asks for an estimate of annual mileage. Which for most people would be simply a guess based on previous and expected future use.

In all my 30+ years of driving I have never yet had an insurance company come back to me a say "Hey HogMan you have done more/less miles in the last year than you estimated, you fraudster!! :rotfl:

Clive_Woody

Hunter_Jaeger wrote: »

Sounds like a glitch in the system.

Possibly they assume someone doing low mileage does a lot more local travel, that potentially has a higher risk rating than someone who does big mileage with probably more of that on A-roads and motorways.

All about the statistics :money:

[Deleted User]

SHAFT wrote: »

So how do you predict your exact mileage every year?

Exactly.

I do around 1,000 miles per month, but I declare 15,000 per year, because I'd rather overestimate, than underestimate.

If I use my car when I'm on holiday, I could easily reach, and indeed slightly exceed, the 12,000 miles I use for commuting, but if I don't use the car when I'm on holiday (maybe I do a couple of 2-week cruises), then I might only do ~ 8,000 miles.