Estimated Mileage. Does It Matter?

Discussion in 'Motorhome Insurance General Discussion' started by Milliemobile, May 29, 2015.

  1. Milliemobile

    Milliemobile Funster

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    We have a quote from Safeguard for our renewal, they are saying £402, for a PVC. Higher than last years which was about £340, reason given new van is newer so higher cost.
    Said would think about it and look at other companies as aware they give high renewal quotes.
    Called AIB went through all questions asked for our estimated mileage said 15,000 to 20,000 a year.
    This seemed to cause a problem and she said at that figure would have to go to under writers. When they called back quote was over £500.
    Can't remember if we gave an estimate of mileage last year to Safeguard, but how honest do you have to be?
    Based on last 11 months usage we have done 17,000 miles is this going to result in extortionate quotes across the board?
    What do others say for mileage and if we under estimate does it matter?
    I would like to stay with Safeguard and just wanted a lower quote to negotiate their offer, concerned now if they ask same question about mileage their quote will rise again.

    Thanks

    Lin
     
  2. Chockswahay

    Chockswahay Funster

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    We recently insured with Safeguard.......... mileage is unlimited (y)
     
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  3. Minxy Girl

    Minxy Girl Funster Life Member

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    Safeguard do not have a mileage limit so therefore they don't ask the question! Other insurers do as you have found out ... if you underestimate and have to make a claim in effect it gives them a get out clause to not pay.

    Remember you are entering into a contract with them when you take out insurance and saying you'll do no more than X amount of miles so if you go over that you are in breach of contract. They use the mileage to assess the risk and thereby set the premium accordingly.
     
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  4. Milliemobile

    Milliemobile Funster

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    um, looks like staying with Safeguard then, which is ok as very happy with what they offer, just hoped to be able to go back with another quote to assist getting them to lower theirs.
    Not used to being unable to negotiate, always got lower price with our car insurances as soon as we gave them a comparable lower quote :(
     
  5. Minxy Girl

    Minxy Girl Funster Life Member

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    Try other companies and then go back to them ... sometimes it works!
     
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  6. Red Dragon

    Red Dragon Funster

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    Hi Try NFU and then play one of the other,worth a try at least(y)
     
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  7. Chockswahay

    Chockswahay Funster

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    When I went with them a few weeks back, I 'yelped' at the first price............ they quickly dropped £100 or so off the quote :eek:

    Always worth asking, the worst that can happen is 'NO' (y)
     
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  8. Zains Pops

    Zains Pops Funster

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    Don't be tempted to underestimate your mileage, if you have a serious claim they may well investigate mot / service records etc. and true to form for the whole industry will leap at the chance of avoiding settling the claim. Don't trust the bast*rds an inch, the whole lot are a bunch of shysters.!
     
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  9. Wildman

    Wildman Read Only Funster

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    Whilst they quote based upon an estimate it is just that an estimate, not the max, just a ballpark figure I suggest they would have a problem enforcing a contract based on an estimate that they accepted.
     
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  10. Milliemobile

    Milliemobile Funster

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    Thanks guys. As Safeguard have no mileage limit suit our needs.
    But talking with Nige nothing to stop us asking for quotes from other companies and saying less than 9,000 miles a year then if get cheaper quotes going back to Safeguard to negotiate. As they are unlimited that element of any quote shouldn't matter.

    Lin :)
     
  11. DavidG58

    DavidG58 Funster

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    when we insured in January I was staggered at how much the premium went up per extra 1000 miles, we had previously been insured through my company with any driver unlimited mileage full business use etc etc so it was all a bit new to me

    I am equally staggered at your annual mileage, that really is getting full use out of it, do you take turns in driving and the other one sleep to save on site fees :D:D
     
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  12. Milliemobile

    Milliemobile Funster

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    This first years mileage might be exceptionally high as we have travelled a lot with 5 month abroad and most of other 6 months around UK, a trip just to visit Nige's family is 500 miles a pop. Also did a long trip to Greece overland which wouldn't do again (would use ferry) that added 4,000!
    Hopefully future trips will be for longer stays at places so should reduce mileage, but then again we do like to hop off and explore and now we have reduced the size of the van, can get more places. Both of us drive so it's only same as a single driver doing 8-9,000 a year which is why I was surprised AIB quoted so high.

    Lin:)
     
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  13. Chockswahay

    Chockswahay Funster

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    Munching up the miles.............. it's what PVC's are meant for (y)(y)
     
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  14. matamoros

    matamoros Funster

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    I am insured with Camptons on a 15000 mpa limit, they take the mileometer reading every year.

    Lots of the really cheap quotes that I have seen are limited to motor homes as second vehicles and very limited mileage.

    From my past experience quotes of £500 for 17000mpa seem reasonable.
     
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  15. Minxy Girl

    Minxy Girl Funster Life Member

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    I think to rely on them not being able to enforce a legal contract based on the mileage estimate that YOU gave them which they would then use as the MAXIMUM amount you'd do (which is why you should always go for more than you think you'll need) would be rather foolish. If it was only a few hundred miles you might get away with it, if more then I very much doubt they'd play ball.
     
  16. Techno

    Techno Funster Life Member

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    Discuss with safeguard
    What can I do to reduce the premium quoted?
    A voluntary increase of excess is a good one and I opt for the maximum. I would not dream of claiming anything small so an easy one but don't suggest it yourself let them put it to you
     
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  17. Mags52

    Mags52 Funster

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    What I don't understand is that they ask for a mileage estimate but don't ask for a current mileage figure. How can they possibly tell? We've just insured again with Comfort and estimated 10k but as this is a new to us van they couldn't possibly know what we would have done in the case of a claim.
     
  18. Judge Mental

    Judge Mental Funster Deceased RIP

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    It certainly does! But Millie your mileage well above average. more miles equals more risk......simples
     
  19. Milliemobile

    Milliemobile Funster

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    We went with Safeguard but increased voluntary excess to reduce cost.
    Our miles are high because we are away a lot, plus it's our only vehicle.:)
     
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  20. tonka

    tonka Funster Life Member

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    Safeguard try it on.. !!
    They quoted me high £4oo's ! I said they were way out as only paid low £300's with Comfort..
    Guess what, 30 seconds on hold and it was £299....
     
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