When I started my policy, as I had no idea how much I was gonna use the bike, I said I would do around 5000miles this year. Had the bike now for 5 months now and have already done 10,000 miles!!!! How could they tell I exceeded and is it illegal? Also, when I renew next year, if I have to tell em the mileage and I have exceeded it, will the shove a pole up my arse?
Am I gonna get in trouble with my insurace company?
Posts 6 | Views 254
I'd have thought
just off the top of my head, that you should talk to them so they can revise the estimate of your mileage. Otherwise if you have an accident they may decide not to cover you. the ways they can check mileage are by looking at the bike, or if older, looking at your MOTs.
If u have a crash.........
They may want to look at the mot.! If that has the mileage on it they'll know how many u've done and not pay out!
Any excuse to not pay and they'll use it.
I would say, if ur only 5 months in and that far over, it'd be a good idea to call them.
U might be surprised, when i've been gettin quotes and they've been high i've tried lowering the allowed mileage to reduce it but it didn't make much difference.
Of course, the alternative is to not crash or have ur bike stolen, that way they'll never know. But.........................................
U can't guarantee that so its up to u!!
Brake lights are contagious...
thats one of the things they will check so they can wriggle out. Stay safe and phone em tomoz.
with estimated mileage is "please notify us if you are likely to exceed this estimate".
For me, I use the bike almost exclusively for commuting (I only have a short run to work) - therefore the mileage is pretty straightforward to calculate - unless I change jobs (having a longer run to work).
Its when you throw in some pleasure runs / touring that will bang miles up.
Your MOT certificate will have the mileage on it - and they could ask for records in the event of a claim - and could be enough to refuse the claim (voiding the insurance). It could also, because of the void insurance, lead to a "driving without insurance" charge / conviction which carries 6 - 8 penalty points.
BUT: telling them you are doing a higher mileage may, or may not put your premium up (you'd have to ask your insurer); on one hand higher mileage means higher risk, but if you go out year-round (some do, inc me) there is a train of thought that year-round riders have a generally lower accident risk than summer-only riders, because a) they are more aware of grip levels on a poor surface and they aren't rusty skills-wise after a six month lay up.
Hope that helps.
If the bikes coming off he road...
then the mileage will sort itself out in time
(or buy another speedo)