Dave-G Posted July 22, 2017 Report Share Posted July 22, 2017 (edited) I'm about to insure an X-trail I have had on SORN for a few months since swapping it for my cab when I retired. Annual intended mileage declaration... is there a 'price bracket' or threshold type thing where premiums are adjusted to reflect the miles? We do about 6000~7000 miles a year but I don't want to risk going over a figure and find they have a cop out clause, maybe go to Cornwall one year and add over a thousand miles to the usual. I'm thinking MOT online checks will show mileage every test. Edited July 22, 2017 by Dave-G Quote Link to comment Share on other sites More sharing options...
NorfolkAYA Posted July 22, 2017 Report Share Posted July 22, 2017 When I renewed my insurance last week, he asked me ROUGHLY how many mikes I do. I said 10000 so in my mind I could do 8000 or 12000 and it won't matter ATB Pete Quote Link to comment Share on other sites More sharing options...
ElvisThePelvis Posted July 22, 2017 Report Share Posted July 22, 2017 I'm about to insure an X-trail I have had on SORN for a few months since swapping it for my cab when I retired. Annual intended mileage declaration... is there a 'price bracket' or threshold type thing where premiums are adjusted to reflect the miles? We do about 6000~7000 miles a year but I don't want to risk going over a figure and find they have a cop out clause, maybe go to Cornwall one year and add over a thousand miles to the usual. I'm thinking MOT online checks will show mileage every test. Don't stress about it... some insurance companies have various banding levels but I imagine that 5,8,10,12,15,20 are the most you would expect. If you go over your estimate by a bit it won't matter, if you deliberately take the P then you can imagine the outcome.. Quote Link to comment Share on other sites More sharing options...
super sharp shooter Posted July 22, 2017 Report Share Posted July 22, 2017 How would they know and why would they check? Quote Link to comment Share on other sites More sharing options...
ElvisThePelvis Posted July 22, 2017 Report Share Posted July 22, 2017 How would they know and why would they check? By MOT and at point of claim, and because people deliberately defraud insurance.. Quote Link to comment Share on other sites More sharing options...
Davyo Posted July 22, 2017 Report Share Posted July 22, 2017 I always state 16k for the main motor as do about 12/13k.My second car state 8k do about 4/5k on average. Quote Link to comment Share on other sites More sharing options...
bruno22rf Posted July 22, 2017 Report Share Posted July 22, 2017 On a "limited mileage" policy you have to sign a declaration stating current mileage - if you think you are going to exceed that amount as the year goes by then you can buy more miles - normally 1000 at a time. Quote Link to comment Share on other sites More sharing options...
Moley1508 Posted July 23, 2017 Report Share Posted July 23, 2017 (edited) the worse you are likely to expect is them asking for an additional premium should you write your car off and then on the off chance someone notices the difference between mileage you estimated at inception and the miles you have actually done. They would struggle to withdraw indemnity on the basis of a few miles extra and the Financial Ombudsman would most likely to support you. the risk has to be unacceptable at inception for them to withdraw indemnity to you so even if you had a modified car that they WOULD have insured but at a higher premium then they would be able to charge for this difference in premium but would still deal with your claim on most occasions. hope this helps. Edited July 23, 2017 by Moley1508 Quote Link to comment Share on other sites More sharing options...
Dave-G Posted July 23, 2017 Author Report Share Posted July 23, 2017 Thank you chaps. Quote Link to comment Share on other sites More sharing options...
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