Insurance mileage

[b_m1957]

So I've just renewed my insurance (using a broker - H&R), and given what I think is a fair estimate for my mileage. Nothing strange there, exactly what I've always done for my bike and car insurance.

Where I sign at the bottom and send back, they've included a statement that requires me to declare my current mileage and sign separately that it will not go more than my annual estimate over this for the next 12 months. There is also a 'n.b.' which reads "N.B. Should the mileage exceed the agreed limit in this period I understand the insurance will be ineffective."

I've never understood it be an 'agreed limit' before, merely an estimate which, if grossly underestimated, gave the insurance company cause to mitigate any claim I make.

So two questions for any legal bods out there:
Are they allowed to ask me to declare and sign?
Even if I were to sign, would the 'n.b.' statement hold in a court?

And I guess an open question... do most people have this on their insurance?

Any advice appreciated! Cheers

[Davey]

Basically you're saying i will only do X anount of mileage a year but they need to know from where that is starting from.

As you could say you do say 2000 miles a year - but its actually 15000 but they won't know what it started from

I guess your bike is under 3 years old or new to you? As most of them can estimate it from previous MOT's

Give them the genuine mileage what you think you'll do - quite often it makes no difference in cost but can be costly if you falsly declare!

and yes it would stand up in court - basically your signing a statement and if you make a false statement they can they have you for falsly obtaining insurance by deception and then after you leave court you'll get a NIP for no insurance etc!

Don't be stupid and declare it correctly [smiley=thumbsup.gif]

[b_m1957]

Basically you're saying i will only do X anount of mileage a year but they need to know from where that is starting from.

As you could say you do say 2000 miles a year - but its actually 15000 but they won't know what it started from

I guess your bike is under 3 years old or new to you? As most of them can estimate it from previous MOT's

Give them the genuine mileage what you think you'll do - quite often it makes no difference in cost but can be costly if you falsly declare!

and yes it would stand up in court - basically your signing a statement and if you make a false statement they can they have you for falsly obtaining insurance by deception and then after you leave court you'll get a NIP for no insurance etc!

Don't be stupid and declare it correctly [smiley=thumbsup.gif]

Cheers Stu, I think I must have asked the question wrong though.

I'm not after declaring falsely, but with this signed declaration (which I've never had to do before) I feel like wildly overestimating just so I don't accidentally get into a bad situation!

I've done a bit of Law in my accountancy training, and the 'n.b.' style of including a clause just looks weird. Basically, I'm agreeing that I understand 'X', when nowhere in the contract is it explicitly stated that 'X' applies!

For clarity, I'm not thinking of being dishonest or trying to reduce my premium (I could probably double my mileage and it wouldn't make much difference), but I just want to understand the strength of the statement I'm being asked to put my signature next to. And whether I have to watch every mile I do in the last months of my policy!

Does it seem sensible that a week before my next renewal I can't go on a 150 mile ride out because I've only got 120 miles 'left' on my policy? Just seems strange to me. I'm all for throwing the book at anyone who gets caught doing 30k a year and only declaring 10k.

(P.S., I've had the bike about 6 months and it's got about 35k miles on it, not really sure if that's relevant though.)

[Dabz]

how can they prove it's you that's done the mileage? how do they know that you haven't got a mate who's covered 3rd party to ride any bike and borrowed yours for a day to do a 500 mile trip somewhere? For example

[b_m1957]

how can they prove it's you that's done the mileage? how do they know that you haven't got a mate who's covered 3rd party to ride any bike and borrowed yours for a day to do a 500 mile trip somewhere? For example

That's a bloody good point I hadn't thought of. But it makes me think even more that the clause is not enforcable. And if it's not enforcable, I'd question whether they are able to insist I sign it.

Any more views???

[Davey]

You'll prob read that it'll refer to the bike mileage in the small print - personally stop being a tw@t and trying to save a few quid by fraudulently obtaining insurance - if your bike is going to do the mileage just get the insurance for it as your my mate took it out won't stand for nowt unless you can prove the mileage before and after along with mileage log for all miles covered!

If your not happy with the guidelines of the policy go with someone else not that hard is it! :

[b_m1957]

You'll prob read that it'll refer to the bike mileage in the small print - personally stop being a tw@t and trying to save a few quid by fraudulently obtaining insurance - if your bike is going to do the mileage just get the insurance for it as your my mate took it out won't stand for nowt unless you can prove the mileage before and after along with mileage log for all miles covered!

If your not happy with the guidelines of the policy go with someone else not that hard is it! :

Well not so cheers for that response.

If you'd read my posts you'd know I wasn't trying to fraudulently obtain insurance. I don't think actually complained about the clause either?

Just wanted to know if it was common as I'd not seen it before, and find out whether it was actually meaningful so that I knew whether to bump up my declared mileage to something I don't think I'll do (I'd rather pay the extra tenner and cover myself).

Didn't your mum ever say 'if you can't say anything nice, don't say anything at all'? (Admittedly the sentence with 'my mate' in it didn't make sense - so you might have meant it less hostile than it came it across :-/ ???)

[finbar]

Stu could you please try not being such an agressive t@at please...he was asking for input...that is all >


I know you work in a shop so know everything about everything!! [smiley=thumbsup.gif] And before you get shirty with me I know you served in the army....woopy do< I served in the boy scouts....bite me! ;D

Love a peace!!

F

[ONF1RE]

Common sense really... Think what is important you agree to the T&C's and provide the correct information to the best of your knowledge!


8-)

[dazlow]

Most boy scouts that I have met are tougher than soldiers, they carry swiss army knives!