Ohh right, thankyou. So how would the insurance company find out how many miles I had covered since the policy was taken out? And what if I had already paid the years insurance in full and wanted to raise the mileage allowance.. would they ask for an additional payment?
Thanks
Just a thought i presume they do keep milegage records on computer??
Sorry for reviving this i have only just seen it. Whoever replied on here for sky insurance is talking bs how can you find out how many miles a driver has covered? As said above the mileage could have been covered by several drivers as anyone with the correct cover can drive other vehicles on their own insurance its just another way for them to make money out of honest people as for checking old mots have insurance companies got the power to check the database? As its my understanding that only the police can do this although i am not certain on this. The point i am trying to make is dont believe what any insurance company tells you as to me its obvious they will say that they can check certain things to scare you into paying more as its all about making a profit. Just my opinion.
Harsh! I've always had to fill in a form or declare a mileage over the phone to the insurers on the date the car insurance starts. Surely in the event of a claim where your car is insured for 5k miles and you have only done 4k, but your best mate has borrowed your car and done 2k miles making the total of 6k miles, then it is upto YOU to prove your mate have done 2k of the miles, not the insurance provider?
Just my opinion of course, and I have no dealing with insurance companies, I buy it the same as most people do.
Yeah it is a bit harsh lol. What im saying is when i have taken insurance out i have not told them the mileage of the vehicle so over a year they dont know what mileage the car has done unless they can check the mot database which i dont think they can do this as im sure only the police have access i could be wrong though. But you are right it would be the responsibility of the owner to prove whos done what mileage but realistically if i let someone else drive my car i wouldnt keep a record of the mileage that they had done and im sure others wont either so i dont think they would do anything about it. Also i doubt anyone knows how many miles they will do in a year unless they are psychic lol you have a rough idea but you could end up doing more or less and i dont think they will reduce the premium if it was less would they? I personally have never had a problem with this or have i heard off anyone else having a problem but its just my opinion and it doesnt mean im right. If anyone other than an insurance company can prove me wrong and they havnt let the insurance know of the mileage of the car then i would like to hear of it.
Its fair enough on a limited mileage policy i didnt think of that. On the average policy though i dont think its an issue as i would think they would ask for the mileage as well.Forgot to add, that I've always been asked to provide a mileage reading for cars I have a limited mileage on, like my S3 is insured for 5k miles per annum, but I only do 2-3k. But with my Passat, I insure it for 10k miles annually, and that car is not required to submit a mileage.
Perhaps i shouldn't have said this lol.If anyone other than an insurance company can prove me wrong and they havnt let the insurance know of the mileage of the car then i would like to hear of it.