Third-party
Third-party insurance only pays out for damage done to someone else or their car or property – it doesn’t cover you or your car
Low mileage car insurance
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What is low-mileage car insurance?
Low-mileage car insurance covers motorists who only drive a short distance each year (usually less than 6,000 miles). For example:
If you’re a university student and don’t drive during term time
You’re retired and no longer commute to a workplace
Although many factors affect your car insurance premium, in general the lower your mileage the less you will pay. This is because the less time you spend on the road, the less likely you are to have an accident and to make a claim on your insurance.
However, there is a limit to this. Traditional car insurers usually charge motorists who drive very few miles slightly more because they are considered inexperienced.
How does it work?
There are two main types of low-mileage car insurance:
Standard low mileage insurance: This is a traditional policy where the insurer adjusts your premium according to your annual mileage. A lower mileage can mean a lower premium.
Pay-as-you-go car insurance: You pay a fixed fee for basic cover and then you're charged for each mile you drive. This can be beneficial if you only use your car occasionally.
There are not many pay-per-mile car insurance providers in the UK. You can compare quotes from some of them on MoneySuperMarket if you fit their criteria.
Generally, you need to have an annual mileage under 6,000 miles a year.
📣 Did you know?
Someone who drives 10,000 miles a year pays on average 3%
What counts as low mileage?
under 6,000 miles
Which type of low-mileage car insurance do I need?
You will have three types of car insurance to choose from:
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Third-party, fire and theft
Third-party, fire and theft policies add cover for your own car if it’s stolen, or damaged by fire or an explosion
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Fully comprehensive
Fully comprehensive cover offers everything included above, but also adds a range of other cover options for you and your vehicle
Which type of low-mileage car insurance do I need?
You will have three types of car insurance to choose from:
-
Third-party
Third-party insurance only pays out for damage done to someone else or their car or property – it doesn’t cover you or your car
-
Third-party, fire and theft
Third-party, fire and theft policies add cover for your own car if it’s stolen, or damaged by fire or an explosion
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Fully comprehensive
Fully comprehensive cover offers everything included above, but also adds a range of other cover options for you and your vehicle
How do I calculate my annual mileage?
Look at your MOT certificate. Simply visit GOV.UK and put in your vehicle registration to check your MOT history and the mileage for your last two MOTs. You can then calculate the difference between the two figures. But you’ll still need to think about your future journeys and whether you may do more of less miles
Use our annual mileage calculator: Work out how many miles you're likely to drive in the year ahead. The calculator covers how many miles you drive during a typical weekday, at the weekend and any one-off longer journeys. The tool can help you if you’re a new driver without an MOT history
Factor in any change in your circumstances. For example, you might have moved jobs and have a longer commute
What is covered by my car insurance?
Individual policies vary but here’s what you can usually expect from a comprehensive policy:
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Usually covered
Damage to your car: From an accident, fire, vandalism or a natural disaster such as storm damage
Theft of your car: You'll get a replacement vehicle if yours is stolen
Third-party damage caused by your vehicle: You’ll be covered for damage you cause to a third party, their vehicle or their property
Personal injury: Offers compensation if you’re seriously or fatally injured in a road accident
Windscreens: You’ll often be able to claim for a windscreen repair or replacement if you get a windscreen chip or a cracked windscreen
Third-party medical expenses: If you cause an accident, the cost of medical treatment for each person injured in the other vehicle
Legal expenses: Pays out for legal costs related to a claim
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Usually not covered
Wear and tear: Normal wear and tear on your car that's expected over time, such as brake pads and tyres needing to be replaced
Invalid driving licence: If you or another named driver is driving without a valid licence (e.g. if it's out of date), you won't be covered
Driving under the influence: Anything that occurs while you are driving under the influence of drugs or alcohol will not be covered
Additional drivers: If a person is not a named driver on your policy, it is unlikely that they will be covered
What add-ons can I get with my car insurance?
💡 Top tip: You can usually add the following onto your insurance policy, for an extra cost:
Breakdown cover
If your car breaks down, breakdown cover provides assistance at the roadside to get your vehicle moving again. This may be particularly useful if you have an older vehicle which is more likely to suffer mechanical problems than a new one. You can sometimes get cheaper breakdown cover by combining it with your car insurance.
Courtesy car cover
Provides a replacement vehicle while yours is being repaired. This is ideal if you rely on your car daily for commuting.
Courtesy car cover is often included for free in comprehensive car insurance policies.
Personal accident cover
Personal accident cover pays out a lump sum if you’re injured or killed in a road accident. It offers peace of mind, particularly if you have loved ones who depend on you financially. Most comprehensive car insurance policies will include personal accident cover.
Motor legal protection
Motor legal protection will cover any legal fees you might face in relation to a road accident. As legal fees can mount up, it can give you peace of mind to have these covered. Motor legal protection is often included in comprehensive car insurance policies.
Windscreen cover
Windscreen cover will pay for the cost of repairing or replacing a chipped, cracked or smashed windscreen. If you have a newer car you may have safety technology which requires recalibration when your windscreen is replaced and this could be costly without insurance.
If you have comprehensive insurance windscreen cover is likely to be covered but check your policy documents to be sure.
Car keys cover
Covers the cost of replacing lost, damaged or stolen keys. If your car has keyless entry it will be more expensive to replace your key fob than if you have a standard car key so this might be a worthwhile add-on to your insurance. Some comprehensive policies may include cover for car keys.
Wrong fuel cover
Covers the cost of draining and cleaning the fuel tank if you accidentally put the wrong fuel type in your car (known as misfuelling). Wrong fuel cover isn’t usually included with insurance policies - even comprehensive insurance.
Check whether your car has a special fuel cap system which prevents misfuelling to decide whether it’s worth adding wrong fuel cover to your insurance.
Personal belongings cover
Personal belongings cover offers protection for your belongings in the event your car is stolen, which can be handy if you tend to leave them in your car. Some comprehensive car insurance policies may include this or it may be covered under your home insurance.
No-claims discount cover
Protects your no-claims discount by letting you make a certain number of claims within a year before it affects your premiums. Building a no-claims discount will reduce your premiums over time and if you’ve had no claims for several years you might want to protect it. But you’ll need to pay extra to do so.
Car keys cover
Covers the cost of replacing lost, damaged or stolen keys. If your car has keyless entry it will be more expensive to replace your key fob than if you have a standard car key so this might be a worthwhile add-on to your insurance. Some comprehensive policies may include cover for car keys.
Wrong fuel cover
Covers the cost of draining and cleaning the fuel tank if you accidentally put the wrong fuel type in your car (known as misfuelling).
Personal belongings cover
Personal belongings cover offers protection for your belongings in the event your car is stolen. Some comprehensive car insurance policies may include this or it may be covered under your home insurance.
No-claims discount cover
Protects your no-claims discount by letting you make a certain number of claims within a year before it affects your premiums. Building a no-claims discount will reduce your premiums over time and if you’ve had no claims for several years you might want to protect it. But you’ll need to pay extra to do so.
How can I reduce my annual mileage?
Here are some tips on how you can reduce your annual mileage:
Car-sharing: Consider car-sharing services or carpooling with colleagues or neighbours. This can significantly reduce the number of miles you drive, especially for daily commutes.
Public transport: Utilising public transport such as buses, trains, or trams for your daily commute or occasional trips can reduce your mileage and help the environment
Walking and cycling: For short distances, opt for walking or cycling. This not only reduces mileage but also promotes a healthier lifestyle.
Consider a different car: If you're in the market for a new car, consider a smaller, more fuel-efficient model.
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What do I need to get a low-mileage car insurance quote?
It's quick and easy to compare car insurance quotes. We just need a few details from you:
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Details of the car
The car’s registration number if you know it. If not, the make and model is fine. We’ll also need the car’s age, value and any modifications or security improvements you’ve made.
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Your details and your licence
Including your job, age and address, plus the same for any additional drivers on the policy. We'll also need to know what type of licence you have, how long you've had it, your claims and driving history.
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How many miles you will drive
Your annual mileage. We also need to know what you use the car for – social, commuting or business. You’ll also need to say where you’ll keep the car at night for security.
Why should I compare car insurance quotes with MoneySuperMarket?
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Other ways to insure your vehicle
Alongside standard car insurance, there are other policies designed for specific needs:
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Multi-car insurance
Covers two or more vehicles under one policy, often for households or families. It can be cheaper than separate cover, though cars usually need to be kept at the same address.
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Temporary car insurance
Short-term cover lasting from one to 28 days, with some policies available for up to 90 days. It’s useful for situations such as borrowing a car, test driving, or driving another vehicle while yours is being repaired.
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Business car insurance
Required if you drive for work beyond commuting to one workplace. It covers journeys such as visiting clients, attending meetings, or travelling to multiple sites.
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Learner driver insurance
Designed for provisional licence holders, this policy covers learners practising in their own car or a family member’s vehicle, without affecting the car owner’s main insurance.
What happens if I provide the incorrect information about my annual mileage?
Providing inaccurate information about your mileage, particularly underestimating it, could cause problems if you need to make a claim, especially if there’s a big difference between the figure you state and your actual mileage.
Your insurer might:
Check your annual mileage on your MOT certificate
Refuse your claim
In a worst-case scenario, you might even be charged with insurance fraud if appears you’ve deliberately underestimated your mileage to get a lower insurance premium.
However, if you’ve made a simple mistake and your mileage is not significantly different your insurer is likely to just adjust your premium, require you to pay any difference and possibly pay an admin charge.
Can I get low-mileage insurance for a classic car?
Yes you can. Many classic car owners do low mileage. Perhaps because they only use their classic car on special occasions such as weddings or track days. So classic car insurance policies normally come with capped mileage, usually between 1,000 miles and 5,000 miles,
Unlike standard low-mileage cover, it’s expected that the car will only be used for leisure trips rather than commuting or business journeys.
Can seniors get low-mileage car insurance?
If you’re in your 60s you should be able to get standard low-mileage car insurance and potentially pay lower premiums as drivers in this age group are considered lower risk.
However, if you are in your 70s or older, an upper age limit might apply and your car insurance might be higher so you might need to shop around for specialist cover.
Do I still need car insurance when I’m not driving my vehicle?
No, you don’t need car insurance if your car is kept off the road, such as in a private garage, you don’t use it and it’s been declared SORN (Statutory Off Road Notification).
However, while there’s no legal requirement to have car insurance if your car is SORN, your car won’t be covered if it’s stolen or is damaged or destroyed in a fire.
Remember, you always need to have car insurance if your car is kept on a public road or car park.
What should I do if I’m going to go over my mileage limit?
Contact your insurer if you think you’re going to go over your annual mileage limit. It should be able to change your policy. They will adjust your premium and you might have to pay more for your insurance, as well as potentially paying an admin fee, but it will protect you from having your policy cancelled altogether.
Will low mileage always reduce my car insurance premium?
Support with clearer data context and explain why mileage reductions may be outweighed by other rating factors.
No, low mileage does not always reduce your car insurance premium as lots of factors determine the price you pay. For example, if you make an insurance claim or are convicted of speeding your insurer will see you as ‘higher risk’ and this could outweigh the fact you don’t drive many miles.
However, if all the other factors that influence car insurance prices stay the same, lowering your mileage should reduce your cost. Our data shows that someone who drives 2,000 miles a year pays on average 3%
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Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
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Yes, car insurance is included in our Super Save Price Promise.
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Reviewed on 22 Jan 2026 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
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Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024
51% of consumers could save up to £514.27 Consumer Intelligence , Oct 2025 Exc NI, CI, IOM
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Accurate as of 22 January 2026.
Raj Kapoor
Terry Ford
Lorna Montgomery
Sven Tasker