At the moment, I have two cars insured with Admiral under one of their 'Multi-car' policies. One is a 'daily driver', whilst the other (an elderly W124) is kept as a bit of a 'bangernomics' trial. The latter is only insured for 3,000 miles per annum, of which I've used about 2k.
Unfortunately, my other half's car will soon need a bit of work doing, which could keep it off the road for a month or so. She would be quite entitled to use the W124 on her own insurance policy, but her usage would probably break the 3k limit - even though the car is not 'at risk' though Admiral (I am the only driver on the policy).
So, do insurance companies ever bother checking annual mileages (e.g. through MoT certs) when dealing with claims?
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Mileage Policing?
When you make a claim!
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I have a 3000mile pa policy. Every year I am asked to declare the mileage.No one else adds mileage to my vehicle.I have never claimed.
I'd contact your insurance company as you could be at risk of invalidating the Admiral policy.
[Sounds potentially dodgy having two policies covering one vehicle simultaneously.]
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[Sounds potentially dodgy having two policies covering one vehicle simultaneously.]
She would only be driving third-party under the 'driving other vehicles' extension to her own policy.
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She would only be driving third-party under the 'driving other vehicles' extension to her own policy.
so if this is your pride and joy and she prangs it then you are going to have to repair it at your expense
needs considerations of the highest order then doesnt it?
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so if this is your pride and joy.....
It only cost £600, bb :-) Worth more broken for parts, probably.....
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She would only be driving third-party under the 'driving other vehicles' extension to her own policy. >>
DOV or DOC extension may have some conditions, implied or implicit, eg.
www.crossbrook.com/driving-other-cars-extension-ex...d
www.guardian.co.uk/money/2005/aug/13/motorinsuranc...e
Also, if your partner is a named driver on your W124 Admiral Policy, that will take precedence over the DOV extension available on her own policy.
To answer your original question:How is limited miles insurance policed? .... So, do insurance companies ever bother checking annual mileages (e.g. through MoT certs) when dealing with claims?>>
Yes, usually, when a large claim is submitted, you should expect the Insurance Company to send round a "loss adjuster", who will go through your application form details with a fine tooth comb and ask to see evidence of every detail. For a limited mileage policy, they will look for evidence such as MOT or service book or invoices which help prove you are driving within the limited mileage.
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so they dont actually look for mole grip marks on the quick release speedo cable then?
good
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In the past I have had more than one vehicle at a time on separate limited mileage policies with either Norwich Union or Lancaster. At odd times when I thought I was in danger of taking one or the other of them over the limit I simply contacted the company concerned and I was allowed to extend the mileage limit in return for a not unreasonable extra fee.
Honesty is the best policy - then 'policing' is irrelevant.
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Understood, Mike - just miffed that it won't actually be me doing the extra miles! I guess I could just use the extra premium to earn even more brownie points from her :-)
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just miffed that it won't actually be me doing the extra miles!
Why not get the breadknife to use your daily driver, and enjoy the Merc yourself for a while?
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jbif, to address the points raised by your links:
1) I am the only driver covered by the Admiral policy.
2) Her policy definitely includes DOC 3rd party cover.
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2) Her policy definitely includes DOC 3rd party cover.
Double check the wording - I've always had this included with many different insurers (I change nearly every year) but every one has had the exception "not owned by you or your spouse"
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...and on a slightly similar tack...
say you sign up for a PCP for a vehicle over a 3-year period at a maximum of 10,000 miles per annum (manufacturer's/dealer's stipulation), yet only record 5/6Kpa, then do you get some kind of recompense as a result ? i.e. does the GMFV at the end of the term increase, in a diametrically opposed stylee to them charging you howevermanypence per mile for all mileage covered over the 10,000 agreed?
I probably know what the answer is going to be!...
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I have my smart on a 10k/yr policy with a smart specialist insurer. They ask for start mileage at the beginning of the year, and last year I overran by about 400miles - which I was then told I was only covered 3rd party for (was told after the event as its my duty to note my mileage)
When its renewal time i'll be shopping around for something a little bit more flexible.
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does the GMFV at the end of the term increase
The GMFV can't increase but the car might be worth a bit more as it's done lower mileage.
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I think implementing mileage policy is difficult.
A car can rake up mileage while not being driven by insured person.
Eg. your friend can borrow your car and build up mileage.
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Admiral have never asked for a mileage from me at outset/renewal. I can't see them ever being that fussy on claim. Unless the MoT was issued at the same time as insurance renewal, there is not much evidence to give the exact mileage of that policy year.
This year, I'm with a more specialist insurer and had to declare the mileage of both cars on taking out the policy. I thought I could get a penalty fee - claim or not - if I exceed the mileage in the year.
Oldsock - have you ever considered adding your wife to the Multicar policy? Not that it changes the mileage issue, but I find that adding anyone female (and low risk) to my otherwise one-male Admiral policy cuts the premium. Avoids potential DOV issues if there is a spouse restriction.
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I spoke to my insurer when I'd gone over my 6,000 miles. They said they weren't bothered about 1,000 miles or so over but to speak to them again if it looked like becoming a regular event. Worth explaining the situation to them ahead of exceeding the 3,000. Even if they imposed an additional premium it probably wouldn't be much.
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Know someone who years ago had a car under limited mileage policy. He did more miles than declared. He bought a second hand speedometer unit from scrapyard which was easy to change on his car. Whenever he went on long journey he would swap it over. When it came to mot time (where they put the mileage on the certificate) he will put the lower mileage one.
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I think it is the same as any other insurance issue such as modifications or business useage. If you have a serious accident involving a large claim, maybe with 3rd party injury etc, the insurance companiews have assessors which can delve very deeply into what you've been doing.
The have near CIA style techniques for doing some of this stuff.
If you had a claim, and they found out you had done 5k miles in 2 months when you said you did this in qa year, you may be in deep doo doo !!
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Without wanting to hijack this thread, my policies are on an assumed 12000 miles per annum.
What happens if when I claim I have exceeded this?
My car is currently 30000 miles and is 27 months old so it is above the 1000 miles per month average. But come its 36th month, it won't be as high as 36k miles so I haven't broken the 12k per annum? (Due to doing more summer miles for driving holidays)
Right?
Confused?
I am!
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My car is currently 30000 miles and is 27 months old so it is above the 1000 miles per month average. But come its 36th month it won't be as high as 36k miles so I haven't broken the 12k per annum?
I wouldn't think you would be able to take into account your prediction of future mileage patterns. I would expect your average mileage per month would be calculated from your past mileage, which is factual.
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I wouldn't think you would be able to take into account your prediction of future mileage patterns
Whyever not? A couple of years ago a job change reduced my daily commute from a 90-mile round trip to one of 14. You don't need to be Romany Traveller Petulengro to work it out....
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>> I wouldn't think you would be able to take into account your prediction of future >> mileage patterns Whyever not?
What I meant was that I would expect the average monthly mileage to be calculated up to the date of the accident/claim. At the moment it would be in excess of the permissible 1000 per month.
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>>What I meant was that I would expect the average monthly mileage to be calculated up to the date of the accident/claim. At the moment it would be in excess of the permissible 1000 per month.
That would never work, we all do wonky mileages. The most obvious is if you renew, then go on a European trip and after 2000 miles and 2 weeks have a crash.
It is more of a problem if you did in the last year 20000 miles and then take out an insurance for only 10k. But even that could be correct due to say a change in jobs...
I should be fine with mine, 82K in 9 years on 10K policy...
DinUK
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