Insurance query,#
Discussion
Morning all.
I have a car with limited mileage insurance 5000 miles. I am within limit.
I lend car to friend which they drive on their own insurance. The mileage then goes over 5000 but I did'nt drive more than my limit.
Do insurers check mileage every year from say MOT. How is this policed.
Anyone in the business know?
Thanks
I have a car with limited mileage insurance 5000 miles. I am within limit.
I lend car to friend which they drive on their own insurance. The mileage then goes over 5000 but I did'nt drive more than my limit.
Do insurers check mileage every year from say MOT. How is this policed.
Anyone in the business know?
Thanks
Big Rumbly said:
Morning all.
I have a car with limited mileage insurance 5000 miles. I am within limit.
I lend car to friend which they drive on their own insurance. The mileage then goes over 5000 but I did'nt drive more than my limit.
Do insurers check mileage every year from say MOT. How is this policed.
Anyone in the business know?
Thanks
I've never been asked the mileage on the car any time I've taken out an insurance policy.I have a car with limited mileage insurance 5000 miles. I am within limit.
I lend car to friend which they drive on their own insurance. The mileage then goes over 5000 but I did'nt drive more than my limit.
Do insurers check mileage every year from say MOT. How is this policed.
Anyone in the business know?
Thanks
This question is seriously being asked again? Amazing how frequently it comes up around the summer months and the kids are on holiday.
The limit is 5000 miles. End of. That's it. No more. No fiddles, no clever, "but I didn't do the other 15,000 miles, my friend did on his DOC" fiddles.
On a policy that is truly limited then, rather than just estimated, then the insurer will ask for the mileage reading at inception. I get this every year on my van, which is on a specialist policy as a motorbike carrier only. On a mainstream policy, where they ask for estimated mileage, then you aren't tied to that at all, as it is just an estimate.
The limit is 5000 miles. End of. That's it. No more. No fiddles, no clever, "but I didn't do the other 15,000 miles, my friend did on his DOC" fiddles.
On a policy that is truly limited then, rather than just estimated, then the insurer will ask for the mileage reading at inception. I get this every year on my van, which is on a specialist policy as a motorbike carrier only. On a mainstream policy, where they ask for estimated mileage, then you aren't tied to that at all, as it is just an estimate.
JM said:
I've never been asked the mileage on the car any time I've taken out an insurance policy.
Probably because you don't take out limited mileage policies???My insurer asked for pics of the odo every time I renewed. I suspect they won't care who was driving and who's policy covered the mileage.
LoonR1 said:
This question is seriously being asked again? Amazing how frequently it comes up around the summer months and the kids are on holiday.
The limit is 5000 miles. End of. That's it. No more. No fiddles, no clever, "but I didn't do the other 15,000 miles, my friend did on his DOC" fiddles.
Why on this forum do people get snotty straight away. It's a genuine question. I havn't asked it before NO I'm not fiddling. I've never been asked for odometer reading, but I've never gone over the limit.The limit is 5000 miles. End of. That's it. No more. No fiddles, no clever, "but I didn't do the other 15,000 miles, my friend did on his DOC" fiddles.
If you cant be civil, dont reply thanks.
I have a classic on a limited miles policy which renewed last month. When on the phone the lovely lady at Lancaster asked me if I knew what the current mileage was. I didn't as I was at work and the car was at home but offered to ring back with it. She told me not to worry.
I'm pretty sure when I originally took out the policy I supplied the mileage as well as photos for valuation but not since. It is an MGB with (about) 120K on the clock so not the most valuable of cars.
I'm pretty sure when I originally took out the policy I supplied the mileage as well as photos for valuation but not since. It is an MGB with (about) 120K on the clock so not the most valuable of cars.
SteveR1979 said:
JM said:
I've never been asked the mileage on the car any time I've taken out an insurance policy.
Probably because you don't take out limited mileage policies???My insurer asked for pics of the odo every time I renewed. I suspect they won't care who was driving and who's policy covered the mileage.
I wasn't asked to provide evidence of the odometer or even what the odometer was reading.
So going by the other replies I'd imagine it will depend on whether the OP has had to supply evidence of his mileage when taking out the policy or not.
Big Rumbly said:
Why on this forum do people get snotty straight away. It's a genuine question. I havn't asked it before NO I'm not fiddling. I've never been asked for odometer reading, but I've never gone over the limit.
If you cant be civil, dont reply thanks.
I've given you the answer. If you cant be civil, dont reply thanks.
I will give you a (polite) answer!
Most insurers use mileage as a rating factor these days however the vast majority do not check the mileage at inception or in the event of a claim. If they were suspicious about the mileage they might ask for previous MOT's to get an idea of your mileage in previous years but your circumstances may have changed
The mileage is for the vehicle not the driver. If you do have an accident and have exceeded the mileage the very worst an insurer is likely to do is ask you to pay the difference between the declared mileage and the actual mileage
Most insurers use mileage as a rating factor these days however the vast majority do not check the mileage at inception or in the event of a claim. If they were suspicious about the mileage they might ask for previous MOT's to get an idea of your mileage in previous years but your circumstances may have changed
The mileage is for the vehicle not the driver. If you do have an accident and have exceeded the mileage the very worst an insurer is likely to do is ask you to pay the difference between the declared mileage and the actual mileage
Fatrat said:
I will give you a (polite) answer!
Most insurers use mileage as a rating factor these days however the vast majority do not check the mileage at inception or in the event of a claim. If they were suspicious about the mileage they might ask for previous MOT's to get an idea of your mileage in previous years but your circumstances may have changed
The mileage is for the vehicle not the driver. If you do have an accident and have exceeded the mileage the very worst an insurer is likely to do is ask you to pay the difference between the declared mileage and the actual mileage
Except it's wrong. Most insurers use mileage as a rating factor these days however the vast majority do not check the mileage at inception or in the event of a claim. If they were suspicious about the mileage they might ask for previous MOT's to get an idea of your mileage in previous years but your circumstances may have changed
The mileage is for the vehicle not the driver. If you do have an accident and have exceeded the mileage the very worst an insurer is likely to do is ask you to pay the difference between the declared mileage and the actual mileage
There is a fundamental difference between a limited mileage policy and a normal policy where you estimate your mileage. You've managed to confuse the two types and come up with wrong information.
The last paragraph is a work of fantasy. Have you heard of the Consumer Insuramce Act? It's been around for a few years now. 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. I'd say that's a worsererer case scenario than yours.
Now the usual question for the OP, would you prefer polite and wrong, or blunt and correct?
LoonR1 said:
Fatrat said:
I will give you a (polite) answer!
Most insurers use mileage as a rating factor these days however the vast majority do not check the mileage at inception or in the event of a claim. If they were suspicious about the mileage they might ask for previous MOT's to get an idea of your mileage in previous years but your circumstances may have changed
The mileage is for the vehicle not the driver. If you do have an accident and have exceeded the mileage the very worst an insurer is likely to do is ask you to pay the difference between the declared mileage and the actual mileage
Except it's wrong. Most insurers use mileage as a rating factor these days however the vast majority do not check the mileage at inception or in the event of a claim. If they were suspicious about the mileage they might ask for previous MOT's to get an idea of your mileage in previous years but your circumstances may have changed
The mileage is for the vehicle not the driver. If you do have an accident and have exceeded the mileage the very worst an insurer is likely to do is ask you to pay the difference between the declared mileage and the actual mileage
There is a fundamental difference between a limited mileage policy and a normal policy where you estimate your mileage. You've managed to confuse the two types and come up with wrong information.
The last paragraph is a work of fantasy. Have you heard of the Consumer Insuramce Act? It's been around for a few years now. 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. I'd say that's a worsererer case scenario than yours.
Now the usual question for the OP, would you prefer polite and wrong, or blunt and correct?
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.
I'm sure Loon can answer, but if you actually need to know then you need to ask your insurer which one. What happens if your insurer has different criteria for main driver?
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.
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.
I've got a car on a limited mileage classic policy. Not only do the insurers want a yearly declaration of the milometer reading, they also want photographic evidence every 3 years too.
Hardly an imposition, the cost of this form of insurance is a bargain when one considers what the payout would be in a total loss situation.
Hardly an imposition, the cost of this form of insurance is a bargain when one considers what the payout would be in a total loss situation.
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
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
If the £25 was an admin fee then it doesn't sound like they increased your premium at all. Big Rumbly said:
LoonR1 said:
This question is seriously being asked again? Amazing how frequently it comes up around the summer months and the kids are on holiday.
The limit is 5000 miles. End of. That's it. No more. No fiddles, no clever, "but I didn't do the other 15,000 miles, my friend did on his DOC" fiddles.
Why on this forum do people get snotty straight away. It's a genuine question. I havn't asked it before NO I'm not fiddling. I've never been asked for odometer reading, but I've never gone over the limit.The limit is 5000 miles. End of. That's it. No more. No fiddles, no clever, "but I didn't do the other 15,000 miles, my friend did on his DOC" fiddles.
If you cant be civil, dont reply thanks.
I guess the only completely safe answer is to read the small print in the contract. I am fairly sure that LoonR1 is right in summing up what you find it you do.
I have had many limited mileage policies. Some appear to be based on trust as I haven't always had to even tell them the starting mileage. Others are more carefully policed. I guess in the event of a claim an insurance company may well do 'due diligence' if it looks like they were being taken for a ride.
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.
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. Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff