Additional mileage

[rustychain]

When I took out this year's insurance policy I asked for 5,000 miles.

I've realised that I'll probably need 1,000 more due to a trip coming up.

Adrian Flux want £100 (incl admin fee) and my excess will increase to £400 from £100.

Is this typical? Any workarounds?

 

[JohnnyBoxer]

When I took out this year's insurance policy I asked for 5,000 miles.

I've realised that I'll probably need 1,000 more due to a trip coming up.

Adrian Flux want £100 (incl admin fee) and my excess will increase to £400 from £100.

Is this typical?

Any workarounds?

Disconnect the speedo !!!!!

 

[Malcvtr]

When I took out this year's insurance policy I asked for 5,000 miles.

I've realised that I'll probably need 1,000 more due to a trip coming up.

Adrian Flux want £100 (incl admin fee) and my excess will increase to £400 from £100.

Is this typical? Any workarounds?

How do they know what mileage you've done?

My experience of Adrian Flux is not good. I took out insurance for my Ducati online. I received a text saying insurance details had been emailed. I received nothing. Nothing in spam folder. After two days, I decided to cancel. The cancellation charge was £94! I wrote a review on Trustpilot and as soon as it was published, I was contacted by the company and given an additional £30 refund.

 

[Steve398]

A complete bunch of tossers, I had one year with them on an MX5. Whilst touring Italy I got an email cancelling my insurance cover on a cock-up their end. I then spent ages on the phone with them attempting to resolve their f**k-up before they admitted the fault was theirs, then offered me £5 refund.
Useless

 

[mw3230]

I've always thought that there was no way the insurance companies would ever know the mileage of your bike and have never worried about going over the agreed figure. However someone pointed out to me that if the bike (or car) in question is subject to MOT tests then the annual mileage can be deduced from easily accessed records

 

[DJ123]

I've always thought that there was no way the insurance companies would ever know the mileage of your bike and have never worried about going over the agreed figure. However someone pointed out to me that if the bike (or car) in question is subject to MOT tests then the annual mileage can be deduced from easily accessed records

but that depends on when your MOT & insurance renew......

If you MOT in January and Insurance renewal is in June there's a big time difference of proving when that mileage was done - unless your Bike is garage serviced and they can pull mileages, it would be hard to prove.

The mileage is a guidance not a ceiling. Most will have a threshold of x% over is still within policy.

 

[DANE]

Reduced the annual milage on a multi-car policy at renewal increased the premium. Change was based on us reviewing our annual MOT data which is in public domain.
Why ? - “Cars that sit around are at greater risk of theft”.

Then, we find out an advised modification on one has not been covered for last four years - “Were sorry and do have the information -obviously it would have been covered in the event of a claim” Really ? I doubt it. And whilst their error was sorted they would not renew our policy.

Having a real meeting with them as every change (reduction) - Milage, value of vehicle, increased the cost.

Will be looking well ahead of renewal time for alternative companies.

 

[rustychain]

Disconnect the speedo !!!!!

That idea did cross my mind!

How do they know what mileage you've done?

My experience of Adrian Flux is not good. I took out insurance for my Ducati online. I received a text saying insurance details had been emailed. I received nothing. Nothing in spam folder. After two days, I decided to cancel. The cancellation charge was £94! I wrote a review on Trustpilot and as soon as it was published, I was contacted by the company and given an additional £30 refund.

I bought the bike the day after it was MOT'd. As pointed out above, if they were to check they'd soon work out how many miles I've done under the policy.

I agree about Adrian Flux - I won't be using them again. I tried to insure another vehicle with them earlier this year. I made some checks as I wasn't 100% confident that the policy was legit - it turns out they had 'fudged' some answers to the policy questions so I wouldn't have been insured in the event of a claim. I'll be looking elsewhere when this policy expires.

 

[rustychain]

but that depends on when your MOT & insurance renew......

If you MOT in January and Insurance renewal is in June there's a big time difference of proving when that mileage was done - unless your Bike is garage serviced and they can pull mileages, it would be hard to prove.

The mileage is a guidance not a ceiling. Most will have a threshold of x% over is still within policy.

Adrian Flux regard the mileage as a maximum (from my policy):
Annual mileage – the maximum number of miles that your vehicle is allowed to be driven in any one year of insurance.
Elsewhere in the policy:

The insurer has the right to find out the mileage reading of your vehicle. You must give them all the help and information they need and provide written evidence to prove the distance recorder reading of your vehicle, if they ask for this. The insurer can examine your vehicle at any reasonable time

 

[Big-G]

As far as I am aware, the only difference of exceeding the mileage will be when or if you claim, and at that point if you look in the small print, it probably says your excess will be increased. There is no mention of actually cancellation of the policy if you do exceed it.


Sent from my backyard

 

[Wapping]

The insurers retain teams of highly secretive agents *, who (unknown to bikers) infiltrate private garages, biker meets and Tesco car parks, to check on mileages. This black-op’s data is then used.

It is also not unknown for the agents to engage in bikermate banter, often in broad daylight, where the unwary are recorded saying “Yeah mate, I tell me insurer rip-off cnuts that I hoon me steed 10 miles a year, ‘cos it were well cheaper”. Nothing more is heard of these bikers.


* Rumoured to be former (or even current) bikers, highly skilled in ’doing It under the radar, mate’.

 

[DJ123]

Adrian Flux regard the mileage as a maximum (from my policy):
Annual mileage – the maximum number of miles that your vehicle is allowed to be driven in any one year of insurance.
Elsewhere in the policy:

The insurer has the right to find out the mileage reading of your vehicle. You must give them all the help and information they need and provide written evidence to prove the distance recorder reading of your vehicle, if they ask for this. The insurer can examine your vehicle at any reasonable time

The policy mileage is one thing but who drove those miles is another. The insurance policy is based on you driving that vehicle for those miles - not the vehicle being subject to only covering X miles. If someone else drives it for 3000 miles (such as if you share a car with your other half) the policy mileage for you hasn't been exceeded.

 

[rustychain]

The policy mileage is one thing but who drove those miles is another. The insurance policy is based on you driving that vehicle for those miles - not the vehicle being subject to only covering X miles. If someone else drives it for 3000 miles (such as if you share a car with your other half) the policy mileage for you hasn't been exceeded.

An angle I hadn't thought of!

 

[Wapping]

The policy mileage is one thing but who drove those miles is another. The insurance policy is based on you driving that vehicle for those miles - not the vehicle being subject to only covering X miles. If someone else drives it for 3000 miles (such as if you share a car with your other half) the policy mileage for you hasn't been exceeded.

Did you make that up or did your mate tell you?

The declaration made is the mileage that the vehicle is estimated to travel during the policy year, not who - out of several (presumably named) drivers on the policy - was going to be driving the vehicle to accrue the mileage total.

 

[Wapping]

An angle I hadn't thought of!

Be sure to tell the insurer: “I read on the internet that….” or better still, “My mate, says….”.

Both are well established principles in law and are an absolute winner when dealing with call centre chimps. It is even more effective, expressed in Latin, the language of the law.

 

[Mr Bean]

One assumes there is some flexibility in the mileage and it is not an arbitrary number - and you are not blatantly taking the piss.

If I estimate a figure of 5k and ultimately get to 6k and subsequently cause an accident, are they really going to come after me after paying the third party, or refuse a claim following theft?

 

[Snaf]

Unless you're insuring year on year at the same time as the mot it would be hard to check the mileage unless it was more by the end of the policy than from the last mot.
I've way over estimated my mileage since I bought a new van in 2020, I'll give them a call and ask about a rebate

 

[Wapping]

One assumes there is some flexibility in the mileage and it is not an arbitrary number - and you are not blatantly taking the piss.

If I estimate a figure of 5k and ultimately get to 6k and subsequently cause an accident, are they really going to come after me after paying the third party, or refuse a claim following theft?

The word you were looking for was ‘absolute’ not ‘arbitrary’.

Yes! And they will burn down your house too, to set an example. They will, of course, have already taken your wife and children, selling them into slavery. You’ll be left only with your slippers.

 

[Mr Bean]

The word you were looking for was ‘absolute’ not ‘arbitrary’.

Yes! And they will burn down your house too, to set an example. They will, of course, have already taken your wife and children, selling them into slavery. You’ll be left only with your slippers.

Correct. Absolute.

But, was my assumption correct?

 

[Wapping]

Insurance contracts are unusual in that, unlike most other contracts, they are additionally (beyond the basic three principles of offer, acceptance and consideration) also based on ‘good faith’ ie. telling the truth.They have to be, as no insurer has the ability to check that each of their customers is telling the truth.

Setting that distinction to one side. It is incredibly difficult for an insurer to invalidate a motor policy after the claim event, unless there was deliberate and intentional non-disclosure (in simple terms, lying) by the insured person, when the application for insurance was made. To void the policy, after the claim event, the insurer would have to prove that their voiding of the policy was fair and reasonable in law and by common practice. This is particularly true of the third party liability section of the policy, the only part that is compulsory by law.

Whether the OP should or should not have declared his ‘over mileage’ to his insurer is now irrelevant. He’s done it and he knows the result of his disclosure.