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Post by Nelson on Nov 12, 2017 19:38:22 GMT
My Dad has recently renewed his motor insurance and has reduced the annual mileage he does on his renewal details from 10,000pa to 5,000pa. (he only did 4000 miles last year and doesn't expect to do many more this year)
However, if he does stray over the 5000 as detailed on his policy will his insurance company be checking come November 2018 with the DVLA/MOT details held online to check and will he be penalised
He's worried that should any unexpected long trip to see relatives once or twice might bring him slightly over the 5000pa miles.
Do insurance companies check or ask for proof of mileage at all? Not that he's going to flaunt the system and be dishonest but does anyone know if they check
Thanks
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Post by LandieMark on Nov 12, 2017 19:50:37 GMT
Some do, some don’t. Classic policies tend to be stricter and require a declaration. Most mainstream insurers treat it as a rough estimate to the nearest 1000 miles, but the only way to be certain is to ask the specific insurer or read the policy.
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Post by Deleted on Nov 13, 2017 8:31:47 GMT
I declare 5k p.a. and don't exceed it, but am not aware of it having been checked. That's been with Aviva, Hastings, Aegeas (via AF.) Doesn't mean that they aren't checking, or could just mean that they've checked and seen that I haven't exceeded!
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Post by Bob Sacamano v2.0 on Nov 13, 2017 8:44:03 GMT
My own view on this is that, outside specific classic car policies, they wouldn't check unless there was a claim, and even then only if there was a declared mileage when the vehicle went on risk and what it was at the date of accident.
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Post by Tim on Nov 13, 2017 12:33:23 GMT
I've never had any questions about it.
I do remember a friend having to declate the start mileage each year on a classic policy though.
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Post by michael on Nov 13, 2017 12:39:32 GMT
I'm always wary on this. If insurance companies can find an excuse not to pay I'm sure they will and this could be one. I set my mileage limit to a point I'm comfortable I won't exceed.
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Post by bryan on Nov 13, 2017 12:50:49 GMT
I'm not aware of mine being checked, or even asked for on renewal. I guess as long as within 5k of verified mileage eg MOT then it shoul
There was something in one of the policies about it reverting back to third party if exceeded.
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Post by bryan on Nov 13, 2017 12:51:39 GMT
I'm not aware of mine being checked, or even asked for on renewal. I guess as long as within 5k of verified mileage eg MOT then it should be ok
There was something in one of the policies about it reverting back to third party if exceeded.
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Post by michael on Nov 13, 2017 12:55:41 GMT
There is an online record of mileage so they don't have to check until they might need too.
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Post by Big Blue on Nov 13, 2017 13:40:11 GMT
I'm always wary on this. If insurance companies can find an excuse not to pay I'm sure they will and this could be one. I set my mileage limit to a point I'm comfortable I won't exceed. +1 |
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Post by Deleted on Nov 13, 2017 14:21:16 GMT
I have to send in a picture of the speedo.
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Post by Bob Sacamano v2.0 on Nov 13, 2017 14:53:02 GMT
I have to send in a picture of me in speedos.  |
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Post by Deleted on Nov 13, 2017 15:32:49 GMT
I have to send in a picture of me in speedos. A frightening thought, on a good day. |
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Post by Martin on Nov 13, 2017 16:18:57 GMT
I'm always wary on this. If insurance companies can find an excuse not to pay I'm sure they will and this could be one. I set my mileage limit to a point I'm comfortable I won't exceed. +1 Yes, not worth the risk, especially for such a small saving. |
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