Has anyone firsthand experience of insurance companies reaction to someone doing e.g. 15k a year if they declared 10k. What's the consequences?

They *can* use it as an excuse to void your policy, so you will get done for driving without insurance...but I think you knew this already, hence asking for first hand experience...

On one of my policies, I know that if I go over the mileage limit I revert to TPFT instead of fully comp. Guess you'd need to check with your insurance company!

Rob.

As Rob says, if the insurance company wants to be hard, they can decide to refuse a claim due to you being more exposed to the 'elements'... Don't mess with the insurance company, they are meanies :(

On house insurance don't they scale the payout according to the (under)cover?

Just wondered how hard there are in practice.

A few years back I got a full payout with just a casual comment from the engineer that it was two thousand over "normal" mileage (28k instead of 26k) but as it was a diesel it didnt matter on the valuation.... -

Insurance companies are quick to take your premium ,................err but not so quick to pay out , especially if they find a reason not to .

The following reference to mileage limit is on the Association of British Insurers site.

Sometimes, policies include a mileage limit and cover will cease if this mileage is exceeded while the policy is in force, so you need to consider carefully whether this limit will be enough for your expected use of the vehicle.

The best advice I can give is to notify your insurer in advance when you realise that you are going to exceed the mileage limit stated on your policy. But better not to have a mileage limit in the first place if that is possible.

Three years ago, when I took out motor insurance for the first time, I simply didn't know how many miles I was going to cover, and chose an unrealistically low figure. When I realised that I was likely to exceed my first estimate I telephoned my insurers, doubled my "limit" and was told that it would normally have cost the grand sum of

LV..unlimited mileage

Is it really worth the nightmare of having your policy voided and leaving yourself open to being charged with Driving without insurance to save a few quid?

Insurance is a special legal contract requiring "the utmost good faith" from both parties. Any breach of this is a breach of contract - and you'd be knackered. Also, note that the limits will be pro-rated through the year, ie 12miles/year is 1000 miles per month. If you're over it you could have a problem.

By the way..

Next time your renewal comes up, have a play with the online quotes, entering different mileages...

You might be surprised at what little difference it actually makes to the quote.

By the way..

Next time your renewal comes up' date=' have a play with the online quotes, entering different mileages...

You might be surprised at what little difference it actually makes to the quote.[/quote']

Quite. As I said, doubling my mileage, as a very green, 17 year old, driver on a group 13 (don't ask why ...) car from 8,000 to 16,000 miles cost me nowt or would have cost

Next time your renewal comes up, have a play with the online quotes, entering different mileages...

Or...

Don't ever use online quotes because should you ever phone an insurance company they will have your details already.

Go back to your lay-by Rich :P

My annual mileage is set to 10k miles, but the insurance company didn't ask for a start mileage when I took out the policy, so how will they know how many miles I have actually done, especially as the car was bought second hand? Is it just done on car age and average mileage?

Chris

My annual mileage is set to 10k miles' date=' but the insurance company didn't ask for a start mileage when I took out the policy, so how will they know how many miles I have actually done, especially as the car was bought second hand? Is it just done on car age and average mileage?

Chris[/quote']MOT certificates for starters plus mileage recorded on servicing bills, in service handbooks etc.