Low Mileage Car Insurance
If your car mileage is below average, you could save money with a limited mileage policyPlease note that this page contains affiliate links. While we only recommend products that we believe in, we may benefit financially from any purchases you make.
While some of us rack up the miles in our cars thanks to long commutes or frequent drives, you may find that your usage falls below the norm. If this is the case, you could benefit from Low Mileage Car Insurance.
Limited Mileage Car Insurance takes into account the fact that you are on the road less, which means that your risk of an incident is reduced. This could mean that you are rewarded with a lower premium.
At Chris Knott Insurance, we can help you to find the right policy for your car and its mileage. Whether you’re a student or second or classic car owner, we can help.
Key benefits
- An experienced and knowledgeable team to help you get the right cover
- An independent broker with access to a variety of policies
- Insurance for classic, modern and modified cars
- A personal service with a dedicated contact throughout your policy
Low Mileage Car Insurance FAQs
What is Limited Mileage Car Insurance?
Limited Mileage Car Insurance is a type of cover for drivers who have below average mileage on their cars.
This may be because you are retired, have a short commute or you’re a student. Limited mileage is also more likely to be the case if you own a second car or a classic car.
Typically, because you are on the road for less time, you will present less of a risk to the insurer. This means that you may be able to benefit from the lower premiums offered by Low Mileage Car Insurance.
There are several options for this kind of insurance. You may have a pay-as-you-go policy with a tracking device attached to your car, for example. Alternatively, a set mileage could be included in your policy. This is typical for Classic Car Insurance and usually includes a choice of 1,500, 3,000 or 5,000 miles.
If you drive infrequently, you may also want to consider Short Term Car Insurance.
How do I know if I do limited mileage?
Each insurer is likely to have their own criteria for what counts as limited mileage. However, if you fall below the statistical average, you may qualify.
According to research by the UK government’s Department For Transport, the average car covered 5,300 miles in a year in 2021. However, this sample was affected by Covid-19. In 2018, before the pandemic struck, the average was 7,600 miles. You may therefore like to use this as your benchmark.
To estimate your average annual mileage, take a look at your previous MOT certificates. These will record your mileage at the time of the inspection.
You could also reset your mileage meter and record how much you drive in a week (make sure this week is fairly typical of your usual activity). You can then multiply this figure by 52 to get an estimation of your mileage for the year.
It is important that these estimates are as accurate as possible. Widely underestimating your mileage could mean that your policy is declared as invalid.
Who could benefit from Low Mileage Car Insurance?
Anyone who drives their car infrequently could benefit from Low Mileage Car Insurance.
This includes:
- Retirees who do little travelling
- Those with a short commute
- Students
- Remote workers
- Classic car owners
What happens if I start driving more?
If your mileage creeps over the agreed threshold or you start to drive more regularly or further, you need to tell your insurer or broker.
They can then adjust your policy so that it takes this extra mileage into account. This will help to ensure that your policy remains valid.
How much does Low Mileage Car Insurance cost?
The cost of Limited Mileage Car Insurance will depend on more factors than just your mileage.
An insurer will also take into account your age, driving experience and involvement in any incidents.
If you would like to get a Low Mileage Car Insurance quote, you can get in touch with our experienced team.
Contact Chris Knott Insurance for a Low Mileage Car Insurance quote today on 0800 917 2274.
