Insurance Question

[JTBUSH]

My car is insured to do approx 12000 miles a year. Not sure, but may have done more like 14000. Car was written off this week! So, question is, how tight are they on these estimated mileages?

[10 Pence Short]

I think it depends on the insurance. Do they have the cars mileage from the start of the policy?

I've recently had a write-off with Elephant on a limited miles policy. The car was within the mileage, but they didn't even ask anything about it.

I suppose some insurers have it as a term of the policy, and some just view it as an indicator of risk.

[vonhosen]

I'd expect the assessor to note it & it to affect but not totally negate any pay out.

[gozomark]

how many months were you through the policy when the accident happened ? If it was 11 1/2, they may not care, if it was 3, well....

[jtbush]

My policy finishes this time next month. Looks like I actually may have only gone over by about 1000 as when Ive checked my documents, Ive insured myself for 13000 not 12000 as Id thought!

[UpTheIron]

Unless you are on a limited mileage policy I don't see it as a problem.

Consider a scenario where you have only driven 10,000 of those miles and that someone else (e.g. other half) has driven the car for 4,000 miles with third party cover from their policy...

[bleesh]

Did you actually provide the odometer reading when you took out the insurance??
I've NEVER, EVER been asked for it.

Therefore I don't see HOW you managed to do more than about 9,500 miles
this year........

Steve

[Fat Richie]

UpTheIron said:

Unless you are on a limited mileage policy I don't see it as a problem.

Consider a scenario where you have only driven 10,000 of those miles and that someone else (e.g. other half) has driven the car for 4,000 miles with third party cover from their policy...

I think you'll find that on limited milage policies it the mileage the car has covered, not the insured driver that's limited.

If it's not a limited mileage policy then generally it's just an average annual mileage they ask for so they can assess the risk.

[shuvitupya]

I agree with post above.

I have never been asked to provide proof of mileage on vehicle, but is asked how many miles do I drive when take out insurance policy.

Just a risk assessment.....yes.


If it's a limited mileage policy then you will be expected to provide actual mileage of vehicle.

[aw51 121565]

I think the insurers check mileage from the MoT certificate.

If one has a 6,000 mile p.a. limited mileage policy, but has done 4,000 miles since the last MoT certificate was issued 6 months ago then they will ask questions.

However, if one's car goes to lots of car shows "in season" (in a diferent part of the country, maybe?) and does litle mileage in the winter, then that's one let-out .

Most of the risk exposure to a car insurance policy nowadays is Theft and Vandalism (based on postcodes), so adding 'extra miles' to a limited mileage policy ain't necessarily gonna cost a great deal more (pretty good value for money if you ask me !).

[greysquirrel]

so what about the 20 track days i have done this year ;-) probably not going to stand up if its a transit van or something though..

[PH5121]

I had a limited mileage policy (which was not a classic policy) with Footman James which required me to send a declaration of the exact mileage in.