Locktons - uninsured if over mileage :eek:
Discussion
Gave them a call Friday to check mileage allowance etc as worried I was possibly going over it (cant put her down
) and although they couldn't tell me what my max mileage would be to the end of the current policy they did tell me that the car would be uninsured if I had gone over - even sat in the garage
Clearly a bit rattled!
I need to talk to someone else there on Monday (with MOT mileage readings...) but I was utterly shocked that they would uninsure the whole car if slightly over on mileage. Maybe a bit of extra premium sure, but NOT INSURED at all?! That sounds bonkers and illegal?
I have been with them years and they also said that if you did 7000 in one year and 5000 miles in the next (averaging the 6000 limit) then that doesn't work for them. It's strictly pa.
Anyone any experience or thoughts as had fancied a drive on Sunday and my calculations show 343 miles in the bank - but they couldn't verify that to put my mind at rest
) and although they couldn't tell me what my max mileage would be to the end of the current policy they did tell me that the car would be uninsured if I had gone over - even sat in the garage Clearly a bit rattled!I need to talk to someone else there on Monday (with MOT mileage readings...) but I was utterly shocked that they would uninsure the whole car if slightly over on mileage. Maybe a bit of extra premium sure, but NOT INSURED at all
?! That sounds bonkers and illegal?I have been with them years and they also said that if you did 7000 in one year and 5000 miles in the next (averaging the 6000 limit) then that doesn't work for them. It's strictly pa.
Anyone any experience or thoughts as had fancied a drive on Sunday and my calculations show 343 miles in the bank - but they couldn't verify that to put my mind at rest
They have done it in the past for no fee - needed 700 miles extra one year for eg and they were happy to oblige. This also makes it a bit hard to work out what the current max is as have been with them 5 years and had a couple of extensions... They didn't even know the max - maybe they will Monday.
Its a little stressy really so may consider a policy without these clauses this year.
Its a little stressy really so may consider a policy without these clauses this year.
Logic says that unless u have either given them actual mileage at each renewal their comments aren’t correct. Depending on your policy wording and company, cars that have mileage limitations are just that subject to paying an additional premium should u then go over.
Obviously u would be expected to tell them this rather than wait until renewal.
In the event of a loss mileage would be checked and age averages would be applied.
Obviously u would be expected to tell them this rather than wait until renewal.
In the event of a loss mileage would be checked and age averages would be applied.
I use Lockton as well and have never paid huge attention to this, but clearly reading this says i should. I have however asked them in the past for mileage increases and normally that was done without charge. I think you need to be pro-active and manage this yourself rather than let them find out later on. Let us know what you find out.
alscar said:
Logic says that unless u have either given them actual mileage at each renewal their comments aren’t correct.
I think this is why they suggested giving them each year's MOT mileage reading, assuming I have them... I couldn't quite see it myself as the MOT and Insurance anniversaries are quite different. They have readings from me but there are a couple of gaps where they didn't explicitly ask and I didnt remember to volunteer. Given the draconian implications that is a bad show on both parties.>edit< can I get a list of the MOT mileage going back 5 years online? Can they?
I'm with Locktons and they use the MOT mileage to check AFAIK, at least that's what they told me in the past.
Easy enough to check online for anyone with the reg no.
https://www.gov.uk/check-mot-history
Easy enough to check online for anyone with the reg no.
https://www.gov.uk/check-mot-history
Ohh God - this is awful!
Thanks for the link Geoff - it's all online for the mileages.
I seem to have 1546 miles left this year having done 4454 to date. However one year I went over by a couple of thou (Lake Como was stunning mind
) - effectively leaving me uninsured?! The average over the 5 years is 5500pa though - which is well under their annual allowance. What a mess.
I'll update by Weds but I'm really unhappy about this uncertainty. The actual policy clause reads:
[i] Annual Mileage Restriction - The policy has been issued subject to an annual mileage restriction. To
verify that this restriction is adhered to your insurer has requested an annual declaration of the
vehicle(s) milometer reading within 14 days of inception/renewal.
Insurers reserve their right to not to cover any loss or damages to your vehicle should you exceed
your annual mileage limitation. In addition, without verification of your milometer reading, any
claims payments may be delayed whilst the insurer verifies that your annual mileage has not been
exceeded. [/i]
If you have this kind of clause guys - manage it better then me and be well ON IT!
Thanks for the link Geoff - it's all online for the mileages.
I seem to have 1546 miles left this year having done 4454 to date. However one year I went over by a couple of thou (Lake Como was stunning mind
) - effectively leaving me uninsured?! The average over the 5 years is 5500pa though - which is well under their annual allowance. What a mess.I'll update by Weds but I'm really unhappy about this uncertainty. The actual policy clause reads:
[i] Annual Mileage Restriction - The policy has been issued subject to an annual mileage restriction. To
verify that this restriction is adhered to your insurer has requested an annual declaration of the
vehicle(s) milometer reading within 14 days of inception/renewal.
Insurers reserve their right to not to cover any loss or damages to your vehicle should you exceed
your annual mileage limitation. In addition, without verification of your milometer reading, any
claims payments may be delayed whilst the insurer verifies that your annual mileage has not been
exceeded. [/i]
If you have this kind of clause guys - manage it better then me and be well ON IT!
NFU Mutual has been recommended on here, which I will try at renewal time.
So far have been using Aviva, first through a broker, then on a direct basis. Surprisingly reasonable premium, and can choose repairer.
A mile over the mileage limit, then all cover withdrawn, must be small print trickery.
NDA said:
I wasn't aware that going over the estimated mileage flipped you into uninsured territory.... I assume there'd simply be an additional sum to pay at renewal.
That's like insuring your factory for £1M and then when you realise when it burns to the ground the actual rebuild is £2M. Just pay a few more quid and expect the insurers to cough up. Happy to pay the lower premium on £1M until the s
t hits the fan.Underwriters estimate the risk at inception not the end of the policy period.
When I was with Locktons I used to get a request each year at renewal date to confirm the mileage - which I did. I presumed that they then used MOT data in effect to confirm what they had been told - or what the mileage was if you had a claim.
One year I had to increase my mileage because I sold one of the Astons and was charged for doing so. I struggle with the concept of going for a policy with limited mileage and then expecting to be covered if you exceed the agreed figure.
As for the idea of averaging out, whilst I can see the appeal for the owner, struggle to see what it is for the insurer - unless you had gone for a five year insurance with them, or whatever period you were insuring over.
I am now with Classicline and have just renewed. They asked what my mileage was but because my renewal date isn’t until 3 May and I will have done another 500 miles by then will let them know the mileage was on 3 May so they don’t start my calculation from the lower figure and I effectively lose 500 miles Insurance - sad but true!
One year I had to increase my mileage because I sold one of the Astons and was charged for doing so. I struggle with the concept of going for a policy with limited mileage and then expecting to be covered if you exceed the agreed figure.
As for the idea of averaging out, whilst I can see the appeal for the owner, struggle to see what it is for the insurer - unless you had gone for a five year insurance with them, or whatever period you were insuring over.
I am now with Classicline and have just renewed. They asked what my mileage was but because my renewal date isn’t until 3 May and I will have done another 500 miles by then will let them know the mileage was on 3 May so they don’t start my calculation from the lower figure and I effectively lose 500 miles Insurance - sad but true!
Guys - esp Nick and the insurance chaps in the know - do insurers reset this mileage allowance each year and start afresh? No rolling over allowed etc? My civilian concept of it all averaging out over the years so we are clearly quits I can see isn't really good business for the insurer! That is, do I have to worry this weekend as I have 1500 in the 'bank' based on current year's policy. Or will they take a longer term view and see I went quite a bit over in 2017 and thus be the Germany to my Greece and inflict savage austerity on me (or worse)
?
To be fair they have been great whenever a few more miles have been requested but would be good to know on the above.
?To be fair they have been great whenever a few more miles have been requested but would be good to know on the above.
Ken Figenus said:
Guys - esp Nick and the insurance chaps in the know - do insurers reset this mileage allowance each year and start afresh? No rolling over allowed etc? My civilian concept of it all averaging out over the years so we are clearly quits I can see isn't really good business for the insurer! That is, do I have to worry this weekend as I have 1500 in the 'bank' based on current year's policy. Or will they take a longer term view and see I went quite a bit over in 2017 and thus be the Germany to my Greece and inflict savage austerity on me (or worse)?
To be fair they have been great whenever a few more miles have been requested but would be good to know on the above.
The mileage is reset at each renewal date.?To be fair they have been great whenever a few more miles have been requested but would be good to know on the above.
IMHO they can only look at the current year contract and "should" ignore previous failures to disclose, correctly, the anticipated mileage.
I've not got a limited miles policy at the moment, and when I did never got near the limit so didn't need to investigate, but what would the situation be in this sort of scenario:
- 1000 mile limited mileage policy (assume no track cover for this example)
- Car driven by policyholder for 1000 miles on public roads.
- Car driven by policyholder for 500 miles on private track with a separate track day policy in place.
...or
- if a third party drives the car (on road) using driving other cars cover on their policy?
If you (well, the car) would be limited to 1000 miles regardless, it seems the insurance company would be removing cover (or charging extra) for activities that they weren't insuring the risk for in the first place.
- 1000 mile limited mileage policy (assume no track cover for this example)
- Car driven by policyholder for 1000 miles on public roads.
- Car driven by policyholder for 500 miles on private track with a separate track day policy in place.
...or
- if a third party drives the car (on road) using driving other cars cover on their policy?
If you (well, the car) would be limited to 1000 miles regardless, it seems the insurance company would be removing cover (or charging extra) for activities that they weren't insuring the risk for in the first place.
UpTheIron said:
I've not got a limited miles policy at the moment, and when I did never got near the limit so didn't need to investigate, but what would the situation be in this sort of scenario:
- 1000 mile limited mileage policy (assume no track cover for this example)
- Car driven by policyholder for 1000 miles on public roads.
- Car driven by policyholder for 500 miles on private track with a separate track day policy in place.
...or
- if a third party drives the car (on road) using driving other cars cover on their policy?
If you (well, the car) would be limited to 1000 miles regardless, it seems the insurance company would be removing cover (or charging extra) for activities that they weren't insuring the risk for in the first place.
As with anything insurance related best to be up front at the outset. Have the discussion with the broker if in doubt.- 1000 mile limited mileage policy (assume no track cover for this example)
- Car driven by policyholder for 1000 miles on public roads.
- Car driven by policyholder for 500 miles on private track with a separate track day policy in place.
...or
- if a third party drives the car (on road) using driving other cars cover on their policy?
If you (well, the car) would be limited to 1000 miles regardless, it seems the insurance company would be removing cover (or charging extra) for activities that they weren't insuring the risk for in the first place.
Scenario 2 would be unlikely as the "third party driver" has no insurable interest in the car so would generally need to be added to the vehicle owners policy.
HTH
AMVSVNick said:
As with anything insurance related best to be up front at the outset. Have the discussion with the broker if in doubt.
Scenario 2 would be unlikely as the "third party driver" has no insurable interest in the car so would generally need to be added to the vehicle owners policy.
HTH
What is "the norm" with these policies though? Just curious really.Scenario 2 would be unlikely as the "third party driver" has no insurable interest in the car so would generally need to be added to the vehicle owners policy.
HTH
Scenario 2 could be a friend borrowing a car and being covered (probably TPO) on their policy, possibly for a long journey. Perhaps not the wisest thing to do but it happens...
AMVSVNick said:
The mileage is reset at each renewal date.
IMHO they can only look at the current year contract and "should" ignore previous failures to disclose, correctly, the anticipated mileage.
You say "should" ignore previous failures to disclose.IMHO they can only look at the current year contract and "should" ignore previous failures to disclose, correctly, the anticipated mileage.
That's not for certain then.
So say you have been insured with Locktons for 7 years and in year 3 went 50 miles over the allowance which you failed to report to them.
Will that scenario mean that you will be uninsured ?
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