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Old 30-07-2009, 02:04 PM
*TQ* *TQ* is offline
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I insured my XJ about a month and a half ago and estimated my annual mileage to be around 5,000. Last week my car broke down and due to lack of funds it now looks like the bike's going to be my sole form of transport for a while. This is obviously going to push up the amount of mileage I do this year so my question is......... How important is the annual mileage you state when taking out an insurance policy? What can/will happen if I exceed that mileage? Should I inform my insurance that it looks like I will be doing more miles? Will it push my premium up by much? How will it affect any claim I make?
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Old 30-07-2009, 03:44 PM
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what happens if your speedo cable accidentally breaks and only gets fixed just before the mot? so many variables eh!!
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Old 30-07-2009, 06:40 PM
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As above or enquire, saying that the really good weather has used up most of your mileage and if the weather breaks you may want to use it some more, how much for another 10,000 miles or whatever.
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Old 30-07-2009, 06:42 PM
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I've always wondered about this - how are they going to find out that you've exceeded it? In the case of a claim, will they be examining your MoT certificate? Will they really check?
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Old 30-07-2009, 07:17 PM
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Probably.Insurance companies are,after all,devious bastards who will stop at nothing to avoid paying out.
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Old 30-07-2009, 07:29 PM
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When you tax your vehicle online, it checks you have insurance & MOT. All MOT's are now done on computer, so there must be a huge database with all MOT details on including mileage.
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Old 30-07-2009, 08:34 PM
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Insurance companies have got a bloody cheek to impose limits on using your own property. Sometimes I think that having insurance being a legal requirement is legalised theft.
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Old 30-07-2009, 09:27 PM
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I asked that very question when I renewed me bike insurance last month TQ, what happens if I go over the 6000 miles I normally cover? They said, no worries, just call us if you get near that figure and they'll make any adjustment necessary. That was Ms Nash, dunno about others though.
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Old 31-07-2009, 07:53 AM
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I might just give them a call and see what they say. I can't see that it'll go up by a huge amount just to do more mileage. On the flip side I don't think my car insurance will go down by much if I call and reduce the mileage!! It's a shame I can't insure them both with the same company and just say I will be doing 10,000 a year on a combination of bike and car!
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Old 01-08-2009, 09:50 PM
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You can if ya want. Carol nash do a 6 wheel policy that covers both.

Never tried it though, Don't know if it's worth risking losing your no claims on both, for a claim on one. Could be worth a try though.
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Old 01-08-2009, 10:13 PM
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Quote:
Originally Posted by *TQ* View Post
I insured my XJ about a month and a half ago and estimated my annual mileage to be around 5,000. Last week my car broke down and due to lack of funds it now looks like the bike's going to be my sole form of transport for a while. This is obviously going to push up the amount of mileage I do this year so my question is......... How important is the annual mileage you state when taking out an insurance policy? What can/will happen if I exceed that mileage? Should I inform my insurance that it looks like I will be doing more miles? Will it push my premium up by much? How will it affect any claim I make?
On my trike policy it says if I go over the agreed mileage and make a claim there will be a 400 extra excess on top of any normal excess.
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Old 02-08-2009, 08:33 AM
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Hmmmm.... I might have a quick read through my policy.
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