Insurance and Mileage quotas..

[mod661]

Just a quick question really:

On my new R6 insurance policy (as with all) it is asking me how many miles I will do a year.

At the moment, I am hazarding only keeping the bike until August, and have put <2999 miles.

Firstly:

How would they keep track of your milage that has been done on the roads

What if you go over?

Thanks

Nick.
____________________
Nick - 56 R6 in Red/White

[Scouse]

I imagine if you go over and then try to claim for something, they won't pay out.

They don't have a way of checking up on how many miles you do apart from getting your mileage when you start your contract and then checking the amount *if/when* you make a claim.

[Mr.Everready]

Now that MOT's are electronic I'm sure they could check if they thought fraud was involved.
____________________
the undemocratically unelected mod of the Scottish section

[Pte1643]

[Ste]

How'd they keep track of it, well there isn't any hard and fast way. Be realistic with your annual milage to them, as if your daily commute is 25 miles each way then it wouldn't take much for them to work out that you've done more than 3k miles in 12 months.

They could refer to MOT's and paperwork but that just shows the total milage the bike has done, and as your bike is often lent at weekends to friends who have 'TPO on other people's bikes' as part of their insurance.

Be slightly creative with it if you want but don't take the piss too much otherwise you might find problems in the event of a claim.

[Mr.Everready]

How much does insurance actually change by the mileage you put in ?
Whats the difference between putting 3000 and 10000 ?
____________________
the undemocratically unelected mod of the Scottish section

[Scouse]

[alone]

After turning 21 the annual mileage made no difference.. When I was 20, 6,000miles and 12,000 was a few hundred difference..
____________________
Bikes; '06 Triumph Sprint ST 1050 (for sale) - '95 BMW R1100GS

[Finglonga]

I asked this about the insurance on my car and they said anythin up to 10k miles is the same as 10k is a cars "average" yearly mileage. Anything over and the premium will start to go up.

A few years ago 8k was the average for bikes and anything below and up to shouldnt make a difference. Best to ask the insurer when it starts to load the premium.
____________________
Andy Sez....
F.Y.Y.F.F.

[Chriss]

Hi, with all my vehicles, I've told the insurance company "This is the occasional weekend toy, I use my other vehicles as my main use, but I may occasionally use it for commuting" and have <3k miles on all my vehicles (I do have three bikes and two cars though. )

The insurance company I worked for had no way of checking.
____________________
TheShaggyDA: I've got 3 or 4 pairs that predate my wife, so at least 11.5 years old.

[The Tot]

EDIT -sorry double post
____________________
The Tot 2019 Z1000SX - 2007 R1
Never argue with autism

[The Tot]

Often insurance companies will offer unlimited miles of for instance you go above 8000 miles per year. It made no difference for me because that's what Carole Nash said to me because i was uncertain about how many miles i would actually do.

Or i'm not suggesting this or anythign - just disconnect your speedo drive, use a cycle speedo and be done with it - low miles on a bike anybody? It's what i resorted to doing for a few years as the MOT man said he could only take measurements from the odo on the clocks and not from the cycle speedo, hence why MOT read 32000km for 2 consecutive years!
____________________
The Tot 2019 Z1000SX - 2007 R1
Never argue with autism

[mod661]

Sounds about right.

I'll check how much difference it makes, but I think from 8k to <3k it made £130 difference last time.

I think it's just because I'm 18 and the less miles I do, the less chance I have of smashing in to a range rover haha..
____________________
Nick - 56 R6 in Red/White

[The Tot]

Nick, was this an online quote with Bennetts by any chance? Because i got a silly difference with quoting 4000 instead fo 6000 miles. But try other insurers. You're 18 and on an R6, it depends where you live and how long you've had your license, but if you live in a city or conurbation, be prepared to loobe up ya battyhole for mr insuranceman's piece.

I think the mileage thing suggests that because you're using it more per year, you're prolonging your risk exposure to mr Landrover or Mrs Milf in her XC90 or Mr Yob in his CorVa or whatever they drive. It's just statistics, and pretty silly. For all you know, you could exit the showroom with your new bike and get rear ended!
____________________
The Tot 2019 Z1000SX - 2007 R1
Never argue with autism

[firefox]

well i told my insurance ( well mam did ) i wouldnt do more then 3k a year ive done 6k in 4 months the the bike is only 4 months old. maybe i should call them.
____________________
bye bye gti <^>( ' . ' )<^>
*officer* what caused the crash ? *firefox* you see that wall up there sir ?
*officer* yes what about it *firefox* i tooted my horn but it refused to move i had to teach it a lesson.

[mod661]

[iooi]

One the ins not i have just got my new policy on my bike which starts on the 15th at 10:00 and finishes on the 12th at 12:00....

Seems that they now think that a year is not from the same date as you start the policy..... This is via Bennets as they were the cheapest i found... Now not quite so impressed.
____________________
Just because my bike was A DIVVY, does not mean i am......

[i_am_tim]

mod661, have you got any years no claims at 18?

because im in a similar situation to you (18 as well), but i wont be getting an R6 for a few months, but when i do ill be a bit under for a years no claims, and the cheapest quote iv got is £679
____________________
previous bike: 2000 Aprilia rs 125 - SOLD

current bike: 2001 Yamaha R6 - sweeeeet

[mod661]