Advice on insurance and mileage limits

Discussion in 'Continental Touring' started by bazP, Sep 7, 2011.

  1. bazP

    bazP Read Only Funster

    Joined:
    Aug 8, 2011
    Messages:
    41
    Likes Received:
    8
    Location:
    Stockport
    Hi guys - i am a newbie with only last weeks Newark meet under my belt.

    Took the same insurance as was held by the guy who owned the Hymer before and that limits me to 7500 miles per year. Would like to go to Merjal but the 3000 odd miles puts me off as it limits what I can do for the rest of the year - is the mileage restriction common? how do you cope

    Look forward to meeting you all in the future

    Barry
     
  2. Snowbird

    Snowbird Funster Life Member

    Joined:
    Apr 24, 2009
    Messages:
    10,108
    Likes Received:
    16,285
    Location:
    Liverpool.
    7500 miles per year is normally adequate but it wont cost much more for 10000.
     
  3. Techno

    Techno Funster Life Member

    Joined:
    Jul 28, 2010
    Messages:
    13,847
    Likes Received:
    14,474
    Location:
    Leeds the one up North
    No limit with Safeguard as yet. I did 8,000 miles during the last policy and probably wont exceed that anyway but it's nice not to be limited.
     
  4. lugnutt

    lugnutt Funster Life Member

    Joined:
    Sep 9, 2007
    Messages:
    1,182
    Likes Received:
    454
    Location:
    wednesbury.westmidlands
    hi bazp.....i am with a/flux insurance and asked the same question there answer was just ring us if you get near your limit and for a cost will alter your limit over the phone
    hope this helps
    dave:Smile:
     
  5. John & Joan

    John & Joan Funster

    Joined:
    Mar 30, 2010
    Messages:
    1,226
    Likes Received:
    659
    Location:
    Full Time on the road
    I rang Comfort about mileage restrictions. We currently have unlimited on both the Motorhome and Car.

    I was advised that reducing my mileage would make no difference to the amount I am paying as I am Full Time and the age of the vehicles.
     
  6. scotjimland

    scotjimland Funster Life Member

    Joined:
    Jul 25, 2007
    Messages:
    28,934
    Likes Received:
    25,574
    Location:
    .
    disconnect the speedo cable.. :Wink:


    who said that ??? .... :Eeek:

    :Rofl1::Rofl1:

    call your insurance company and get it raised to 10k
     
    • Like Like x 2
  7. normanandsue

    normanandsue Funster

    Joined:
    Dec 31, 2010
    Messages:
    1,295
    Likes Received:
    3,838
    Location:
    Dunfermline - Scotland
    Have they asked for you to verify your milometer reading? I only ask because I am limited to 5000 miles per year, but my insurance company have never asked for my milometer reading, so how would they know?

    Just a thought!

    Norman
     
  8. bazP

    bazP Read Only Funster

    Joined:
    Aug 8, 2011
    Messages:
    41
    Likes Received:
    8
    Location:
    Stockport
    Insurance mileage limits and ferry prices

    Thanks foir the help and advice - any suggestions for cheapo ferry prices to Spain?
     
  9. bigmillie

    bigmillie Read Only Funster

    Joined:
    May 6, 2008
    Messages:
    402
    Likes Received:
    135
    Location:
    Camberley Surrey
    Same as mine, Possible check with DVLA mot records in the event of a claim :Eeek:
     
  10. lugnutt

    lugnutt Funster Life Member

    Joined:
    Sep 9, 2007
    Messages:
    1,182
    Likes Received:
    454
    Location:
    wednesbury.westmidlands
    i am asked every year for mileage reading:Doh:
     
  11. scotjimland

    scotjimland Funster Life Member

    Joined:
    Jul 25, 2007
    Messages:
    28,934
    Likes Received:
    25,574
    Location:
    .
    in the event of a claim and you have limited mileage they may ask for proof that you haven't exceeded your limit .. and could check the MOT records if they were suspicious that you were being economical with the truth..
     
  12. novawight

    novawight Read Only Funster

    Joined:
    May 14, 2010
    Messages:
    639
    Likes Received:
    235
    Location:
    Hayling Island
    Maybe your milage on your last M.O.T would give them a clue
     
  13. wkdtroll

    wkdtroll Read Only Funster

    Joined:
    Jul 29, 2008
    Messages:
    140
    Likes Received:
    32
    Location:
    North Wales
    They impregnate the ink they use for the policy docs with a special tracking compound and this checks your mileage as you go along!!

    (only joking!!)

    Answer is they don't (technically they could ask for your MOT certificates for one year to the next - but I don't think they are that clever).
     
  14. sedge

    sedge Funster

    Joined:
    Jul 7, 2009
    Messages:
    4,499
    Likes Received:
    3,848
    Location:
    Nr Jct 3 M6
    Bet they'd want em if you had an expensive claim though, Sod's law, innit?

    OTOH ours hasn't had one yet, plus if you move companies they wouldn't know if the previous covers were restricted mileage or not - and I know they share claims info, but I shouldn't think they'd be able to get hold of your actual proposal form or renewal declaration. (But I don't know that for a fact so don't assume it's Gospel.) Not unless the claim was huge enough and suspect enough so they were going to bring a fraud case and the SFO or somebody got involved.

    THEN you'd potentionally be up a gum tree without a paddle .... :Rofl1:
     
  15. Simba

    Simba Read Only Funster

    Joined:
    May 17, 2010
    Messages:
    238
    Likes Received:
    20
    Location:
    Basildon, Essex. UK

    My insurance is for 5,000 miles but just phone if it needs to be increased also insurance only commenced after I gave them the mileage of the vehicle (was in the small print)
     
  16. pappajohn

    pappajohn Funster Life Member

    Joined:
    Aug 26, 2007
    Messages:
    29,441
    Likes Received:
    16,867
    Location:
    YO11 2BD
    Simple Norman....if they have need to they'll check the recorded mileage on your MOT certificate...and any previous ones as well.

    if its too new for an MOT its even easier....new van = 0 miles

    2 year old van = 15000 miles

    someones telling porkies :Doh::Laughing:

     
Loading...

Share This Page