Low mileage car insurance without a plug-in tracker

vandermist

I've had a good deal from ByMiles for a very low use car, but their plug-in tracker is killing my battery. And since the car isnt used so often, since getting the tracker whenever i go to drive it, it's dead.

So are there any companies that specialise in insuring low mileage cars that don't require you to use a plug in tracker ? It should be possible just to submit the mileage reading from the MOT certficate every year I would have thought ?

jimjames

Do a quote using low mileage as the annual amount and see which comes. My policy is with Churchill for 2000 miles but I actually did under 800 last year and cost £180.

Herzlos

You're probably not going to get any better deal from a specialist - below a certain mileage your risk actually increases due to lack of familiarity. There's also a price floor of about £140ish you won't be able to get under anyway.

So just put your mileage into the comparison sites and go from there.

Grumpy_chap

vandermist said:

I've had a good deal from ByMiles for a very low use car, but their plug-in tracker is killing my battery. And since the car isnt used so often, since getting the tracker whenever i go to drive it, it's dead.

So are there any companies that specialise in insuring low mileage cars that don't require you to use a plug in tracker ? It should be possible just to submit the mileage reading from the MOT certficate every year I would have thought ?

You could just go for a standard low-miles policy rather than the types with a Tracker.  Are you in a high risk driver category - previous motoring history, driving experience or such like?

There was a fairly recent thread that I have tried to find but could not - you may be able to locate it or someone else may recall it.  Anyway, their concern was that the tracker was causing the car battery to go flat and that was being seen by the insurer as disconnecting the tracker so there was a risk of (or maybe even actual) policy cancellation.  Sorry that I can't recall the full details, but the awareness of that case may be relevant to the OP.

Sandtree

Several vandermist said:

I've had a good deal from ByMiles for a very low use car, but their plug-in tracker is killing my battery. And since the car isnt used so often, since getting the tracker whenever i go to drive it, it's dead.

So are there any companies that specialise in insuring low mileage cars that don't require you to use a plug in tracker ? It should be possible just to submit the mileage reading from the MOT certficate every year I would have thought ?

MOT certificate would only work if you got one on renewal day and were willing to get one on the day you cancel if its anything but a full year 

born_again

Sandtree said:

Several vandermist said:

I've had a good deal from ByMiles for a very low use car, but their plug-in tracker is killing my battery. And since the car isnt used so often, since getting the tracker whenever i go to drive it, it's dead.

So are there any companies that specialise in insuring low mileage cars that don't require you to use a plug in tracker ? It should be possible just to submit the mileage reading from the MOT certficate every year I would have thought ?

MOT certificate would only work if you got one on renewal day and were willing to get one on the day you cancel if its anything but a full year 

Which is also no good if you car is under 3 years old..

Grumpy_chap

Why does being on a low use require an MOT certificate or other such?

Any normal policy, you state a mileage at the policy renewal and report to them if that is exceeded.  In the context of whether the mileage is correct, what does it matter on that type of policy whether the stated mileage is 40k, 12k, 6k, or 1k?  At each level, the same approach to verifying the mileage would work, which is essentially nothing.  

I suspect there is a point at which low mileage ceases to reduce risk and may even increase risk.

Ectophile

Limited mileage insurance policies are a thing. I have used them in the past. But for a low risk driver, they may offer no savings over a normal policy.

The one I had only asked me for a mileage reading from the car at each renewal date. I suppose after an accident, they would check I hadn't gone over the limit for that year.

Bigwheels1111

I’m with bymiles, drive once a week twice at a push.
20 miles max, not drained my battery yet.
Three years with them so far, a quarter of the price of the next insurer.

Sandtree

born_again said:

Sandtree said:

Several vandermist said:

I've had a good deal from ByMiles for a very low use car, but their plug-in tracker is killing my battery. And since the car isnt used so often, since getting the tracker whenever i go to drive it, it's dead.

So are there any companies that specialise in insuring low mileage cars that don't require you to use a plug in tracker ? It should be possible just to submit the mileage reading from the MOT certficate every year I would have thought ?

MOT certificate would only work if you got one on renewal day and were willing to get one on the day you cancel if its anything but a full year 

Which is also no good if you car is under 3 years old..

I know you don't have to do an MOT on a sub 3 year old car but any reason why you couldn't voluntarily do one like they would on an older car up for sale etc out of sequence to say you've got 12-11 months left rather than 3?

[Deleted User]

If the equipment is plug in why not unplug it when your not using the car?