Based on data provided by the Department of Transport, December 2019
How do I calculate my mileage?
If you choose a standard car insurance policy, it’s important to estimate your annual mileage accurately. However, it’s not always easy to estimate how much you’ll drive in a year, especially if you’re doing it for the first time – that’s why car insurance companies usually allow some flexibility.
To give yourself a helping hand, take a look at your MOT certificates, which list your vehicle’s mileage at the time it was tested. As the tests are annual, you can get a reasonable idea of how far you’ve driven it each year.
Then factor in any major driving holiday plans and changes of circumstances. If you’ve recently moved job or house, for example, your commuting distance will probably change. Likewise, if friends or family move, you may see a change in mileage according to how often you visit.
What happens if I provide the incorrect information about my annual mileage?
Providing inaccurate information about your mileage – for example by 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 you actual mileage.
In some cases, it could result in your policy being declared invalid, or even lead to you being charged with insurance fraud.
What are the different types of low mileage policy?
A pay-as-you-go policy with which you use a tracker to monitor your mileage is just one option for motorists who drive less than the average. Alternatives include:
How can I reduce my annual mileage?
Ways to reduce the mileage you do in your car include:
Car sharing with a colleague to halve the miles you cover on your commute
Choosing public transport where possible
Doing short journeys on foot or on a bike rather than in the car
Compare low-mileage car insurance
It’s easy to find low-mileage car insurance with MoneySuperMarket. You can also compare it with standard fully comprehensive, third party only, and third party, fire and theft policies to help you find the best car insurance for your needs.