Limited Mileage Insurance
Discussion
I've had limited mileage insurance on my Griff for the last couple of years and not once have I been asked to prove my mileage. I was under the impression I'd be asked my mileage at the begining of the insurance term and again at the end.
How does it work, do they just check using MOT and service records if you make a claim? Should they have asked for my mileage readings at the start?
Graham
How does it work, do they just check using MOT and service records if you make a claim? Should they have asked for my mileage readings at the start?
Graham
I was a bit suprised when Mannings didn't want proof of mileage when I started with them. My previous car & insurer, I had to fill in a declaration each year with the odometer reading. I assume if you make a huge claim they want to see some records. They certainly didn't when someone ran into the back of it and did £2K worth of damage.
I use Norton/Heritage
www.norton-ib.co.uk/frame_classiccar.htm
They send a form with the renewal to declare mileage and condition.
www.norton-ib.co.uk/frame_classiccar.htm
They send a form with the renewal to declare mileage and condition.
Quick point - even if you dont declare the mileage, its pretty easy to work it out. Most people have the split of MOT, service and insurance payments (not forgeting the optional Car Tax declaration). All of which will possibly have mileage records - certainly the MOT and almost all services....
So an insurance company could work out what mileage you have done anyway... best to be honest as lets be honest here, the Insurance companies really dont want to pay out so any excuse to not payout is a good excuse.... they are trying to run a business of course - though the first non-profit insurrer is likely to really cheap...
Cheers,
Paul
So an insurance company could work out what mileage you have done anyway... best to be honest as lets be honest here, the Insurance companies really dont want to pay out so any excuse to not payout is a good excuse.... they are trying to run a business of course - though the first non-profit insurrer is likely to really cheap...
Cheers,
Paul
It's not that I don't want to be honest 
. I don't do above my mileage limit anyway. I just thought it was stange that Mannings hadn't asked me to inform them of the mileage or sign anything. I'll give them a call to double check and let you know what they say!
Like you say it's better to be safe than sorry...
>> Edited by Graham B on Friday 17th January 11:56
. I don't do above my mileage limit anyway. I just thought it was stange that Mannings hadn't asked me to inform them of the mileage or sign anything. I'll give them a call to double check and let you know what they say! Like you say it's better to be safe than sorry...
>> Edited by Graham B on Friday 17th January 11:56
I Have to fill in a declaration each year. A friend has a policy where you can save your miles, so if you are under your limit one year, you can carry them over, which I reckon is a good idea, in case you want to go abroad one year or something. Keep forgetting to ask who he uses though!
Most limited mileage policies that I've had (I've done the Quattro under them for the last 8 years) both ask you for the mileage at each year point, and also have a clause that lists what happens if you go over it.
All bar one (I've had about 5 different brokers IIRC) just increased the excess per 500 miles over it. 2 or 3 have allowed additional payments to be made when hitting the limit to increase it, and only 1 said that it just referred to 3rd party (they probably would have serious legal problems limiting 3rd party) over the limit unless you told them.
Upon making a claim the assessor always notes the mileage on his form anyway so I would imagine they would work out if you are over your limit.
If you've never been asked for it then I would check the actual policy document for why they haven't. A quick call to them (given you want to stay legal rather than break it) would probably be sensible.
J
All bar one (I've had about 5 different brokers IIRC) just increased the excess per 500 miles over it. 2 or 3 have allowed additional payments to be made when hitting the limit to increase it, and only 1 said that it just referred to 3rd party (they probably would have serious legal problems limiting 3rd party) over the limit unless you told them.
Upon making a claim the assessor always notes the mileage on his form anyway so I would imagine they would work out if you are over your limit.
If you've never been asked for it then I would check the actual policy document for why they haven't. A quick call to them (given you want to stay legal rather than break it) would probably be sensible.
J
I've always had limited mileage policies on my TVRs; it was 5000 miles until the current policy, when I was advised to knock it down to 3000. In fact I'd done less than 3000 in the two previous years anyway, as the 390 spends its winters in storage whereas I used to drive the Tasmin year-round. So it's no hardship, and it saved me £100. They suggested that I could 'up' the policy to 5000 and pay the extra if I realised in the spring that I would exceeed 3000, so better the money in my pocket in the meantimne than theirs!
What they were suggesting is that the best way to reduce the likelihood of claims is simply to not drive the car....
However, had I wanted a 5000 mile policy, the premium had gone up by 50% for no reason that I could see. Probably the Muslims flying planes into tower blocks again....
Ian
What they were suggesting is that the best way to reduce the likelihood of claims is simply to not drive the car....
However, had I wanted a 5000 mile policy, the premium had gone up by 50% for no reason that I could see. Probably the Muslims flying planes into tower blocks again....
Ian
Ballistic Banana said: I am with Classic line and have been for about 4yrs and every year i have had to sign a declaration of mileage.
I imagine that if you Crash and have above the mileage and you hadnt told them, Then your INS could be void
BB
Can they do that, you don't know what you milage is going to be, its only an estimate. Do you have to be within a certain number of miles for it to be valid?
alan_driver said:BB
Can they do that, you don't know what you milage is going to be, its only an estimate. Do you have to be within a certain number of miles for it to be valid?
See above. They would have problems stopping 3rd party cover if you were over the mileage, but certainly they could make the comprehensive bit either have a larger excess (which is what most of mine do) or invalid.
Check the policy wording is the only way to be sure - each will be slightly different.
J
Is it really cheaper to have limited mileage?
My cheapest quote was with Sunninghill with unlimited mileage. when getting quotes I guessed at 6000pa as it is my 3rd car, I've already done 6000 miles since getting the car in late august (just have to use it
). Don't those services come around quick?
Rich
My cheapest quote was with Sunninghill with unlimited mileage. when getting quotes I guessed at 6000pa as it is my 3rd car, I've already done 6000 miles since getting the car in late august (just have to use it
). Don't those services come around quick? Rich
I spoke to Mannings the other day and apparently they do it on MOT records. I am just coming up to my limit with 2 months to go. The jump from 7000 miles to unlimited will cost me £117.50. I will double check the mileage tonight but I think the Surrey Run on Sunday will take me over. The problem is that I'm selling it, so to pay out the £117.50 and then sell it two weeks later gripes me a touch. Bad planning really.
Hmmm. When does the insurance company get to see your MOT certificates? Also, what about cars less than 3 years old?
When arranging insurance on my present car, I had the standard 'how many miles?' question, to which I replied 'absolutely no idea'. The chap on the phone said 'we'll put you down for 10k then'. Of course, I asked what would happen if I went over 10k, so which he replied 'well, nothing really and anyway, how would we know?'. WTF?
When arranging insurance on my present car, I had the standard 'how many miles?' question, to which I replied 'absolutely no idea'. The chap on the phone said 'we'll put you down for 10k then'. Of course, I asked what would happen if I went over 10k, so which he replied 'well, nothing really and anyway, how would we know?'. WTF?
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