Insurance 'Estimated Miles'

[GingerGogs]

Hi,
I insured my car at the beginning of the year and was asked for an estimated annual mileage. I quoted this as a low figure, but have now left school and will be commuting about 50 miles per day, so about 12000 miles a year. Since the figure was an estimate at the time, I am doing nothing wrong, but it is also a change in circumstances (and perhaps use). I paid just over a grand at the beginning of the year, and really don't want to give these crooks any more of my hard earned, but am not keen to be refused a claim if required. So, anybody got any advice/experience on the matter?

Thanks, GingerGogs

[M7]

there is no evidence that you've done 12k in the last year as you dont give the cars milage when you take out the policy
just make sure they dont see your mot certificate
dont quote me on this but im sure this estimated milage is just a total rough guide so they know how often you're on the roads and it should really only apply to top end high priced cars where they'd have the break the bank to pay out

[Yourmum90]

two things i thought might something baring in mind is that, if the car was brought brand new then the millage when you got the car would be listed on the form that you send to DVLA.

Also if you crash and cause £300 damage to another car then the insurance company would probably not look into it to much. Although haevan forbids you knocked someone down and it was costing the insurance company thousends then they will always try to get out of paying including checking all paperwork, Becuase at the end of the day who wouldn't get out of paying $$$ if they can.

On the flipside do remember what the other people have already said about it being a rough guide, phone up a random insurance company and ask the views about the estimated millage?

[GingerGogs]

Thanks for help, might well be a good idea to phone a random company or perhaps tell my current insurer that I was considering commuting with car every day and wondered what they would want in excess of previous cover.

Thanks fol help anyways.

[SteveB]

I would tell them, there is always the possibility if somehow they did find out how many miles the car was doing, it doesn't mean you drove them all. For example sometimes my parents drive my car, their insurance covers them so its nothing to do with mine even if the car does do more than the 'estimate' I don't (well not yet anyway).

[mysteryboy]

estimate = guess

Your estimate was off this time... next year estimate a little closer to the mark,,, I wouldn't take any action personally...

[david burton]

from what I can remember I think perhaps if they can prove you do more miles you end up paying a little more if you have to claim. this rings a bell, but I'm not 100% on it. sort of a certain amount per extra mile...

[GingerGogs]

Yeh, heard elsewhere (Pistonheads) that you pay extra if you make a claim, but it was a pretty small figure like £300 or something. Wouldn't mind that, but probably best to see what they say I think. Thanks for the help anyway.

(Emptys wallet to Direct Line )