Insurance query,#
Discussion
LoonR1 said:
tony wright said:
My policy was for 6k miles per annum (Ins didn't ask for speedo reading or photo etc) and the car was new (but insurance company didn't know that) as I neared the 6k, I increased it to 7k just in case and ended up paying a £25 admin fee. I ended up with the car being at 6,132 miles at the 12 month point, so £25 for a paltry 132 miles
Why did you do a limited mileage policy on a new car? There can't be many out there offering this and I can't see it being price advantageous over a normal policy. You're going to tell us it was with Admiral or another mainstream insurer now aren't you. If so, I'm going to tell you that you wasted £25 as it wasn't a limited mileage policy, just a normal estimate one where you would have no problem going over the mileage. spikeyhead said:
I have a limited mileage policy on the Atom, which was new. I've never been asked for odometer readings in the four years I've had the car, however it wouldn't be difficult to work out the average annual mileage.
And whilst an Atom is a car, it's a bit different to normal daily runabouts. Maybe I should've been clear and said "unless it's some from of exotica" although I did think that would be superfluous given the posters upset at spending £25. LoonR1 said:
ZiggyNiva said:
Loon,
A quick question which I apologies if you have answered a million times before. I also expect the answer to be ask your insurer, but thought there may be a general definition.
Who would be the main driver on a policy if driver A drove 2500 miles a year over 11 months, and driver B drove 3000 miles a year in 1 month.
As I said sorry if it is a stupid question.
It'll depend on your insurer, but I'm going to say that the scenario smacks of you doing a shedload of (potentially unnecessary) miles and your kid then doing not a lot in the 11 months that they have the car. If it is a father / child policy then chances are, they'll rate on the kid no matter who you put as the main driver. A quick question which I apologies if you have answered a million times before. I also expect the answer to be ask your insurer, but thought there may be a general definition.
Who would be the main driver on a policy if driver A drove 2500 miles a year over 11 months, and driver B drove 3000 miles a year in 1 month.
As I said sorry if it is a stupid question.
Just to add I have limited mileage policies on both our cars. 1 insurer asks for the current mileage each year and 1 doesn't. I have a different brokers (GL and AF), but I certainly used to have the same underwritter (ERS) not sure if I still do though.
Edited by ZiggyNiva on Tuesday 30th June 09:29
ZiggyNiva said:
LoonR1 said:
ZiggyNiva said:
Loon,
A quick question which I apologies if you have answered a million times before. I also expect the answer to be ask your insurer, but thought there may be a general definition.
Who would be the main driver on a policy if driver A drove 2500 miles a year over 11 months, and driver B drove 3000 miles a year in 1 month.
As I said sorry if it is a stupid question.
It'll depend on your insurer, but I'm going to say that the scenario smacks of you doing a shedload of (potentially unnecessary) miles and your kid then doing not a lot in the 11 months that they have the car. If it is a father / child policy then chances are, they'll rate on the kid no matter who you put as the main driver. A quick question which I apologies if you have answered a million times before. I also expect the answer to be ask your insurer, but thought there may be a general definition.
Who would be the main driver on a policy if driver A drove 2500 miles a year over 11 months, and driver B drove 3000 miles a year in 1 month.
As I said sorry if it is a stupid question.
TwigtheWonderkid said:
My understanding is that the main user is the person who does the most miles, not the person who uses it the most times.
When I had to sort this question out a few years ago it was the other way around. I think it is a more complex decision than the greatest number of miles. In my example I did twice the number of miles as sprog-of-bert in a pretty small number of long journeys, but sprog-of-bert drove it around to town, school, local stuff every day.Bert
BertBert said:
TwigtheWonderkid said:
My understanding is that the main user is the person who does the most miles, not the person who uses it the most times.
When I had to sort this question out a few years ago it was the other way around. I think it is a more complex decision than the greatest number of miles. In my example I did twice the number of miles as sprog-of-bert in a pretty small number of long journeys, but sprog-of-bert drove it around to town, school, local stuff every day.Bert
ZiggyNiva said:
Nope it smacks of the misses using her car for 11 months of the year for local trips, and me driving her car to Italy and back for 1 month a year! You are also assuming that which ever option I am currently doing is the cheaper one which it isn't. I will ring my insurer though and ask.
Just to add I have limited mileage policies on both our cars. 1 insurer asks for the current mileage each year and 1 doesn't. I have a different brokers (GL and AF), but I certainly used to have the same underwritter (ERS) not sure if I still do though.
Blimey, I wasn't accusing you. Saying it smacks of doesn't mean that'll be the scenario. Reality is it won't matter much whichever way you do not as you're married to each other and unless there is a huge age gap it's unlikely to make much difference. Just to add I have limited mileage policies on both our cars. 1 insurer asks for the current mileage each year and 1 doesn't. I have a different brokers (GL and AF), but I certainly used to have the same underwritter (ERS) not sure if I still do though.
Edited by ZiggyNiva on Tuesday 30th June 09:29
If you ring your insurer then they'll let you know which way they'd prefer it.
Are the limited mileage policies on run of the mill basic cars? I can't see there being much of an advantage to limiting the miles outright.
TwigtheWonderkid said:
My understanding is that the main user is the person who does the most miles, not the person who uses it the most times.
I'd suggest that the phrase "main driver" could quite reasonably be interpreted either way, so post Consumer Insurance Act if a consumer is asked "who is the main driver" they could legitimately name either the person who does most miles or the person who uses it most frequently. If the insurer specifically wants to know who does the most miles then the onus is on them to phrase the question more clearly.Obviously the usual fronting scenario where the son uses the car 364 days of the year and the dad might have driven it to Tesco once isn't affected as there's no reasonable interpretation of "main driver" which would make dad the main driver in that situation.
julian64 said:
loons bedside manner
[Patient] doc how long have I got to live
[loon] do you like omlettes?
[Patient] yes, but whats that go to do with the question?
[loon] start now.
Boohoo. Maybe as a doctor you need to pussyfoot around topics and spend a large amount of time answering questions. I'm just typing a truthful response as quickly as possible. If people don't like what I type, then they get all hissy about the manner, rather than the actual information. [Patient] doc how long have I got to live
[loon] do you like omlettes?
[Patient] yes, but whats that go to do with the question?
[loon] start now.
Typical L'Oreal generation ,"but I want the answer to be Y and the nasty man did do shout at me"
LoonR1 said:
ZiggyNiva said:
Nope it smacks of the misses using her car for 11 months of the year for local trips, and me driving her car to Italy and back for 1 month a year! You are also assuming that which ever option I am currently doing is the cheaper one which it isn't. I will ring my insurer though and ask.
Just to add I have limited mileage policies on both our cars. 1 insurer asks for the current mileage each year and 1 doesn't. I have a different brokers (GL and AF), but I certainly used to have the same underwritter (ERS) not sure if I still do though.
Blimey, I wasn't accusing you. Saying it smacks of doesn't mean that'll be the scenario. Reality is it won't matter much whichever way you do not as you're married to each other and unless there is a huge age gap it's unlikely to make much difference. Just to add I have limited mileage policies on both our cars. 1 insurer asks for the current mileage each year and 1 doesn't. I have a different brokers (GL and AF), but I certainly used to have the same underwritter (ERS) not sure if I still do though.
Edited by ZiggyNiva on Tuesday 30th June 09:29
If you ring your insurer then they'll let you know which way they'd prefer it.
Are the limited mileage policies on run of the mill basic cars? I can't see there being much of an advantage to limiting the miles outright.
The low mileage policies are on a modified 9-3 convertible (requires proof of mileage) and a standard Mazda 5 (no proof requested). The 9-3 at 3000 and the 5 at 6500. I will be honest, I have never asked for a quote on either with a higher mileage so no idea if it would effect it. On my 9-3 insurance it does state that if I exceed the 3000 miles and don't tell them I will be charged an extra £500 excess in the result of a claim. The 5 says nothing.
You'll probably find the 5 is on an estimated mileage policy not limited. So as long as you're near that mileage every year even if over by a few 1000 it wouldn't matter. After all they're not that bothered as they never ask what the starting mileage is. That's a clue on limited vs estimated.
LoonR1 said:
On a limited mileage policy, if you exceed the limited mileage cap by an amount! then the insurer can reduce your payout by the same amount.
This version is what I have seen on my previous limited mileage policies...ZiggyNiva said:
On my 9-3 insurance it does state that if I exceed the 3000 miles and don't tell them I will be charged an extra £500 excess in the result of a claim.
BertBert said:
LoonR1 said:
On a limited mileage policy, if you exceed the limited mileage cap by an amount! then the insurer can reduce your payout by the same amount.
This version is what I have seen on my previous limited mileage policies...ZiggyNiva said:
On my 9-3 insurance it does state that if I exceed the 3000 miles and don't tell them I will be charged an extra £500 excess in the result of a claim.
That's the key word. If they have no other stated action then the CIA allows them to reduce their payment by the same amount that you've underpaid, as a worst case scenario for the insured (excluding the scenario of the risk being too high for them to have invented).
Cue lots of spooks style comments and MIB references.
My wife and I have two cars between us which we share - i.e. although we each have one for which we are registered keeper and insurance policyholder, we just take whichever car is right for what we need. In practice, my wife tends to use the cars for pottering around during the week (I get the train to work most days) and I tend to drive the long family trips around the country or into Europe.
We tell the insurers that there isn't one "main" driver for either car but that we are joint drivers. The insurers seem happy with that concept.
We tell the insurers that there isn't one "main" driver for either car but that we are joint drivers. The insurers seem happy with that concept.
dacouch said:
Have you checked that your driving other cars cover applies in Europe?
Is that question aimed at me? If so, yes - the policy documents are quite clear that the cover extends to Europe for all named drivers. I'm generally quite particular about checking these sorts of things - better than finding out the hard way that I'd mistakenly assumed something.LoonR1 said:
And whilst an Atom is a car, it's a bit different to normal daily runabouts. Maybe I should've been clear and said "unless it's some from of exotica" although I did think that would be superfluous given the posters upset at spending £25.
So another rip off scheme by insurance companies (now await one of Loon's obnoxious replies 
). My car is a 70k+ RRSport but that's not the point, £25 is bloody £25, better spent on a charity rather than lining the pockets of bloody insurance companies
I made it quite clear to my insurer (Lloyds) on the phone that the milage may just creep over the 6k, her answer was to basically lie and tell me I would need to increase the mileage in case of an accident I wouldn't be covered
Not once did she say it was estimated and not a limited mileage policy, but I suppose that's my fault for trusting supposedly proffesional people.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff