For me, being a named driver on another car also drops the quote. The only problem being that what you save on your policy, you have to spend on the other!

Classicline Insurance.



Not yet, you will if it actually becomes mine.

Well mine does. But then it's a modified policy on a group 16 car, so perhaps that's different....

Good luck getting her then Al!

I've never been asked what the mileage is on my car even though I'm asked when doing a quote how many miles I do per year. If I do 100 miles or 10000 miles how do they know?

Not that I lie about it. I dont need to as my car is parked up all day when I'm at work (live close to the city so bus it).

It depends on the insurance you are taking out and what car you are driving.

The 5-6K figure sounds like it is being considered a "classic", so you are limited to a very low mileage per year. If you go over that, they will bump up your premium considerably. When I insured the BMW M5, I had to give estimated annual mileage and I had to give the current mileage.

Same with my insurance here, I have it down as 20,000 KM a year, and they want the current KM stand every January.

Edit: When I was in the UK and doing around 60,000 each year, I had to tell them and they loaded my policy appropriately. If you are in the "average" band (under 1K a month), then they don't worry too much if you are a bit over the average mileage for a vehicle of that age, but if you hadn't declared you were doing big miles and you ended up crashing a 3 year old car with 120,000 miles on the clock, they'd probably refuse to pay.

I agree, I was closing on 10k miles a year on a 5k policy, but had no money with which to change the policy. Come renewal, I asked how much their leeway was on the matter, the standard appears to be 10%. So I was doing about 4.5k miles uninsured, effectively. No, they don't ask you the milage, but if you have a big crunch, then they'll dig through any possible part of the policy that means they can get out of paying. It's just not worth the risk.

In any case, if you've got a few years under your belt, there's no point lying because insurance is cheap enough. The fact I've only been on the road for about 2 years means my policy (third year now) is still ~£600 on a 1.4l Astra. Although that was after I clocked the annual mileage up from about 5k a year to 12k (Car's been on the road for two years with me, I've clocked up just over 20k miles) .. so seems fair to me.

Have to say I love the fact that a 2.25l Landy is cheaper to insure than a 1.4 Astra that is likely worth less.

As your MOT data is held online & they take your milage when you get your MOT done, it wouldn't be hard for them to find out.

But was the quote any good without? 90% NCB sounds good, but it’s only worth it if the full whack isn’t some idiotic figure. Speaking as someone with a silly car, this is kind of important.

My renewal went up after getting six points in over the previous two months, but managed to get it down to a £100 less than I paid last year with some confused.com jiggery pokery.

Then got caught speeding again on Saturday, so it's going to go up again.

Going to have to drive around like a granny too, or I'm going to risk losing my license. Speeding fines seem to be like buses, nothing for five years, then nine points in three months!

I'm on limited mileage too, and they've never asked, but as Saspro says, they know the mileage from the MOT.

I was a bit disappointed, actually. It's about on a par with my current insurer.

Of course it was just a quick look-see. If I spent a bit longer, speaking on the phone and badgering for a better price, it might be better.

But who wants to do that? I don't. I've got better things to do, like cleaning the oven and ironing.

I passed my test in 1996 and havent had a single point. I dont drive like a granny either. I guess its only time

I passed in '95 and up to now I haven't had any more than three points at a time (had three, they came off, then had another three, they came off, then nothing for five years). I do push it a bit, so it's not surprising really, I think you just get complacent after five years without anything. My new car does attract a bit more attention as well, though the first three were in my old car.

Same. Considering I drive a 1.4 Astra, I get a fair shift on. Had a few scares though.

I've driven about 12,000 miles since I passed in the summer - most of which far too quickly.

Been pulled over twice but not had any fines/points. I was only pulled over by a traffic car the first time and I was a bit nervous of getting done - but the second time was a van, and the guy really didn't seem to know what he was doing. We had a conversation lasting about 30 seconds then we both went on our way.