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    Gone over my mileage on my car insurance, whats the best to do?

    My car insurance is not up for renewal until end of April but I have just noticed I have gone over the mileage of my insurance. I need to add around another 3000 miles to my insurance. Has anyone else had to do this and what was the cost. Or could I just keep the insurance in place and take out another one from now. It will cost me to cancel my insurance so dont know what to do. Any help would be good.

    37 Comments

    Banned

    Lols

    You're telling them why? How would they know what the starting mileage was?

    Some insurances track the miles you do.

    Banned

    I sold cars - new and used - for years.

    I've never seen a car with 0 miles on it

    And you've assumed that the OP bought a new car

    whatsThePoint

    yeah, its not as if new cars start on 0ish, oh wait


    Some do track mileage. They can look at the last MOT or service you had, and then see what you have now. That being said, this situation has never happened to me.

    I certainly wouldn't take out another policy. You only have to "estimate" your mileage anyway. I can't imagine them adding much extra to your policy

    dimebars

    I sold cars - new and used - for years. I've never seen a car with 0 … I sold cars - new and used - for years. I've never seen a car with 0 miles on itAnd you've assumed that the OP bought a new car




    My brand new one came with 6 miles on the clock

    Original Poster

    As part of my insurance I had to tell them my mileage and as its just gone through MOT where they state the mileage, they will know. Adrian Flux unfortunately. I just know that before renewal I am doing a lot of travelling so will need to add around 3000 miles.

    Some policies do not even ask, if I was you just shop around for the best price - comparison sites are quite good and Moneysupermarket have always brought the best up for me.

    Just call them and say, they might ask for more money but i doubt it.

    lie

    I'm pretty sure they don't care.

    Original Poster

    mattpreston11

    I'm pretty sure they don't care.



    We are talking about Adrian Flux here though!

    Its only a rough figure when they ask you how many miles you expect to drive the car. I dont think its a case of you are covered for so many miles.

    They ask for an estimated mileage. If you quoted 3,000 miles but did 6,000 miles, this may affect any claims that you may have. If you quoted 25,000 miles and did 28,000 miles, this shouldn't be a problem.

    Banned

    From my experience they never check!
    I have been driving for a number of years and I always state the minimum miles as it tends to work out cheaper and not once have I had any issues
    Mind you if you have a accident and they dont want to pay out for whatever reason they will look through every thing and then they may see the milage and bring that up saying legally you shouldnt be driving as the miles thing you stated when taking out insurance has exceeded whats stated

    Original Poster

    Panicking a bit as I had to sign a limited mileage declaration, which was a stipulation for the insurance.

    If it was me, I wouldn't bother telling them until you renew. No big deal.

    Banned

    bluebindy123

    Panicking a bit as I had to sign a limited mileage declaration, which was … Panicking a bit as I had to sign a limited mileage declaration, which was a stipulation for the insurance.



    Dont think you need to panick!
    As the other user just mentioned if its not OTT then it should be OK and they will see it as you simply forgot
    Aint as if we all check our milage every week do we?
    Just relax and speak to them if your worrying so much
    Personally I wouldnt if I was you but everyone to their own
    Dont stress about it though ;-)

    To be fair the only people who can advise on this matter will be the insurance company as anyone here could give the wrong information, albeit may be reasonable, as any future claim or checks the insurance co. could say that your insurance is null and void. Then you are up the creek with no paddle. You signed a limited mileage declaration and have access to the conditions of insurance we don't.
    Edited by: "simplyjimbo" 25th Jan 2012

    bluebindy123

    Panicking a bit as I had to sign a limited mileage declaration, which was … Panicking a bit as I had to sign a limited mileage declaration, which was a stipulation for the insurance.


    It's best to give your insurer a call and let them know to be on the safe side. A condition on my previous policy stated that if I were insured for x amount of miles per ammun but exceeded the said amount; any extra mileage would taken into account in the event of a claim!

    dimebars

    LolsYou're telling them why? How would they know what the starting … LolsYou're telling them why? How would they know what the starting mileage was?



    You have to sign a mileage decleration form when you take the policy out. Unless of course you lie on that but then you wouldn't be insured up until the point you hit the declared mileage

    Orcinus_orca

    lie



    You're a glutton for punishment aren't you?

    simplyjimbo

    To be fair the only people who can advise on this matter will be the … To be fair the only people who can advise on this matter will be the insurance company as anyone here could give the wrong information, albeit may be reasonable, as any future claim or checks the insurance co. could say that your insurance is null and void. Then you are up the creek with no paddle. You signed a limited mileage declaration and have access to the conditions of insurance we don't.



    Agree with this - it is bad enough trying to get insurance paid out if you have an accident as it is - if they find any little thing to get you on they will. Best to be honest in my opinion, otherwise why bother paying for insurance if it is void anyway.

    Agree with above, ring up your insurance company/ broker and ask them.

    If you haven't had an MOT recently, get your car clocked for about £50.

    Knock off 6k miles & it should cover you for the 3k you've gone over plus what you'll travel til your renewal

    How are they to know that someone else hasn't driven your car on their own policy, third party only like?

    Seriously, don't worry about it.

    http://www.digidash.co.uk/?gclid=CKGqpqGG7K0CFQFC4Qodinm-6A

    Mileage *ahem* correction...

    Banned

    ChrisUK

    If you haven't had an MOT recently, get your car clocked for about … If you haven't had an MOT recently, get your car clocked for about £50.Knock off 6k miles & it should cover you for the 3k you've gone over plus what you'll travel til your renewal



    Orcinus_orca multi?

    Banned

    dimebars

    I sold cars - new and used - for years. I've never seen a car with 0 … I sold cars - new and used - for years. I've never seen a car with 0 miles on itAnd you've assumed that the OP bought a new car



    Are you Chinese?

    BTW are you assuming the car hasnt got a valid MOT certificate. Mileage is recorded on that! Obviously if no claim is made, it doesn't matter. If one is, it could affect any payout, but shouldn't unless it's way OTT.

    How many miles over are you talking about OP? How long before the premium runs out?

    mikefellows

    How are they to know that someone else hasn't driven your car on their … How are they to know that someone else hasn't driven your car on their own policy, third party only like?Seriously, don't worry about it.



    I was thinking exactly the same thing. Somebody else could have driven the car on thier insurance policy third party.

    What we need to establish is if your insurance is one of these limited mileage one's (i.e you CAN ONLY do x amounts of miles per year), or is it a normal one where you ESTIMATE your annual mileage ?

    Did some else not drive your car for periods of the year gone? Most insurance policies allow you to drive (with the owners permission) a car on a 3rd party only basis.
    (Just seen this was suggested, doh!)
    Edited by: "Paddy_o_furniture" 26th Jan 2012

    Original Poster

    ChrisUK

    What we need to establish is if your insurance is one of these limited … What we need to establish is if your insurance is one of these limited mileage one's (i.e you CAN ONLY do x amounts of miles per year), or is it a normal one where you ESTIMATE your annual mileage ?



    it is a limited mileage one unfotunately

    I have already done more than 1700 more than I should have and my insurance does not run out until end of April
    Edited by: "bluebindy123" 26th Jan 2012

    Banned

    bluebindy123

    it is a limited mileage one unfotunatelyI have already done more than … it is a limited mileage one unfotunatelyI have already done more than 1700 more than I should have and my insurance does not run out until end of April


    yeah but whats the 'limited' figure. 1700 over 25,000 isnt anything but 1700 over 3,000 is!

    Original Poster

    1700 over 3000

    Banned

    bluebindy123

    1700 over 3000


    in that case I would definitely tell them as you will have doubled your mileage declaration by renewal (assuming you declared an accurate current mileage when taking the insurance out!)
    Edited by: "csiman" 26th Jan 2012

    Original Poster

    csiman

    in that case I would definitely tell them as you will have doubled your … in that case I would definitely tell them as you will have doubled your mileage declaration by renewal (assuming you declared an accurate current mileage when taking the insurance out!)



    Yes thats what I will do as I know I have to a lot of miles in April. The miles were racked up by visiting hospital h well. I usually only do 3000 a year as well. It has been a one off.

    Thanks for all your help.

    Is there anything stopping me taking out another years insurance now, as I think Adrian Flux is going to wallop me for a lot of money.

    Edited by: "bluebindy123" 26th Jan 2012

    Banned

    bluebindy123

    Yes thats what I will do as I know I have to a lot of miles in April. … Yes thats what I will do as I know I have to a lot of miles in April. The miles were racked up by visiting hospital h well. I usually only do 3000 a year as well. It has been a one off.Thanks for all your help.Is there anything stopping me taking out another years insurance now, as I think Adrian Flux is going to wallop me for a lot of money.


    nothing except you wont have an extra years NCB yet. (must cancel existing immediately after taking it out though)

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