insurance and declared mileage

[timwilky]

The daughter has just come home fuming. Last year she renewed her car policy and when asked what mileage she did she said 3,000.

4 months later she changed her job and now has a 160 mile/day commute.

Aware she is going to exceed her declared mileage, she phoned her insurer and they have said. It is a cap, you have already exceeded it and £250 please to go into the next category of <6,000.

She was distraught. I have just given her the money as her income is taken in buying fuel.


I am aware I have always had a declared mileage on my bikes. But nobody has ever asked me to prove my mileage on the 2 offs I have had over the past 10 or so years. so a question to you lot out there.

Sounds like they are having a laugh to be honest...you're asked for an estimation of mileage at the time of taking out the policy. I probably wouldn't have bothered declaring tbh.

did they ask for the mileage when she insured it... i have only one policy on a specialist policy that required proof of odometer reading, or milleage figure others just ask for estimate miles. reply thats why i said yes but on most normal policy, its never been a problem

[G]

The problem is they can easily check mot certificates or service records, mot is online now too. Just gives them a reason to wriggle out of a claim.

Someone doing 20k+ a year is considerably higher risk than someone doing less than 3k... I'm suprised your even shocked at the increase.

[hindle8907]

i think if you look in the T+C's it says if you go over and make a claim you have to pay X ammout mine is somthing like £250 per 5000 miles.

when doing my bike insurance it was cheaper to do 10000 miles a year than 3000 lol .

[the_lone_wolf]

3000 is extremely low for an annual car mileage, she probably received a significant discount for that when she took out the policy

That said, I've exceeded the annual mileage limit twice on my car policies now, but both times they've let it go and not charged me extra

How big a jump is she telling them?

[Paul the 6th]

would it be cheaper to cancel existing insurance and find another insurance company?

The way I've always seen it is that they don't check your mileage when you take the policy out, so in the event of a claim, other than last MOT certificate, how could they verify how many miles you've done?

Originally Posted by hindle8907

i think if you look in the T+C's it says if you go over and make a claim you have to pay X ammout mine is somthing like £250 per 5000 miles.

when doing my bike insurance it was cheaper to do 10000 miles a year than 3000 lol .

Purely depends on the policy ofcourse. I always read my policies word for word to double check I'm definitely covered, and for three consecutive years there was no wording to do with mileage. The only time mileage came up was when they asked for an estimate of how many I'll be doing this year to the nearest thousand.

[timwilky]

She only did 3000/year as she worked part time 2 miles from home, now it is 80 miles full time.

To avoid putting miles on her car, we are being a bit naughty. She uses my company car when I do not actually need it (most days) and I go to work on the bike or her car.

[the_lone_wolf]

Originally Posted by timwilky

She only did 3000/year as she worked part time 2 miles from home, now it is 80 miles full time.

I make that just shy of 38,000m only for commuting assuming she works 47 weeks p/a, so that's well over 10x the mileage

It could be argued that in 10x the mileage you're 10x as likely to encounter an accident and claim

£250 looks like a pretty good deal tbh

Hope it works out, make sure your insurance is straight for her using your car or it'll end up costing you more cash and heartache if something should go wrong...