Insurance wording?

[boundy]

Just been having a look at the Wife's new policy details and as per normal they ask for annual mileage, but the've also asked for the current mileage and a decleration to say the vehicle won't exceed this within the policy term.

WTF is all that about?
Can the insurance company dictate how many miles the bike can travel ? or just how many miles with my wife riding it? What if I decide I want to ride to Spain and back adding another 2k, she has already done 5k, bringing the total to 7k in a year even though she only stated 5k?

[Glenben92]

Funnily enough I was reading through my own policy today and it states that the cover will be reduced to the minimum legal requirements should mileage go over your specified amount.

I presume in the instance that two people are insured on the same vehicle, the mileage limit would be for the vehicle not the individual driver/rider. Don't quote me on that though!
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57 Huoniao HN125-8 - , 97 Kawasaki GPZ500S -
99 Yamaha FZS 600 -
Mod 2 Passed - 01/10/2010

[boundy]

Im not covered under her policy but could ride the bike and be covered under my own, so I don't see how they could limit the mileage I could do when they won't even cover me to ride it

[pinkyfloyd]

Insurance companies are owned by the Devil and ran by Devil Spawn.

What your lady has is another "get out clause" so they have another excuse not to pay should you need to claim.
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illuminateTHEmind wrote: I am just more evolved than most of you guys... this allows me to pick of things quickly which would have normally taken the common man years to master
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Teflon-Mike:I think I agree with just about all Pinky has said.

[Polarbear]

I have a specialist 4x4 policy for my landrover and it states 5000 miles maximum. If I go over that I have to tell them and they will adjust my policy (with more money ) up to the next level which is 7000 miles. If I don't tell them, my insurance is invalid.

But its a lot cheaper than anything else I can get hold of, £202 FC including off road use. The next policy up, a standard car policy with no milage limitations, was over £600 FC

Oh, I have to have use of another vehicle to get that policy, it can't be the main vehicle.
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Triumph Trophy Launch Edition

[boundy]

[photoscubaman]

I used to have some involvement in the classic car scene.

all people used to do was disconnect the speedo, or keep a spare one with the correct milage on!

not condoning that though
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Kawasaki ZX-6r f3 Ninja

[Glenben92]

Ah right yeah I see your point. If I were you I'd give them a ring and ask. If not for your own curiosity then for everyone elses here

I've a feeling it'll be vehicle related because you can't prove she didn't put those miles on the bike. And as she is the owner and main rider and policy holder, it would be presumed that it was her?
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57 Huoniao HN125-8 - , 97 Kawasaki GPZ500S -
99 Yamaha FZS 600 -
Mod 2 Passed - 01/10/2010

[boundy]

This ain't no clasic though, its a fecking srad

[Polarbear]

[iooi]

[Skudd]

I've just had to renew both bike and car insurance. On both they asked what mileage i would be doing, I always gave an approx' mileage and said it was approx'. The car insurance asked what other vehicle was in the household but only gave cars as an option so it was a none of the above, which was honest. the bike asked if I used a vehicle and how many no claims I had on that.
They didn't ask for my current mileage, but you couls get something from the MOT, which is on line and easy to read for them.
I guess they use it as a gide to the type of riding you do, no point in saying you do 400 miles a year when you do 23,000 miles. it will be a get out clause for those who are taking the piss, but I'm sure a few miles either way won't be an issue.
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Famous last words of Humpty Dumpty. " Stop pushing me "
Petty Anarchists look at "1984".............. The Visionary looks at "Animal Farm".

[RichieZX6R]

[Hetzer]

It's basically where the criminal monopolizing scum want you to pay a fat premium for not using your vehicle as much as you need and/or want to.

And then the govt wonders why there are approx 2m people driving without insurance.
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"There's the horizon! Ride hard, ride fast and cut down all who stand in your way!"

[Sam_Y_93]

A mate has just had a tracker fitted to his car by his insurance company to log how many miles he is doing
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Bikes Past: Yamaha Aerox (sold) Yamaha R125 (written off)
Bikes Current: Honda VFR 400 (awaiting restoration) Honda CB600f F-4
Theory passed July 21st Mod1 passed August 3rd Mod 2 passed 26th August

[Minty]

[Wafer_Thin_Ham]

[Kickstart]

[G]

It's purely because, I would presume, so many people will just use the excuse "it wasn't me doing those thousands of miles", seems they've got wise to that.

It was a nice loop-hole, but people exploiting it presumably relatively 'cost' them (in reality, I don't think I did, though it's possible I may have done in the past - rare I did many miles on a single vehicle, usually I'd just put '3000' down). I don't see any other way they can insure someone for 3000 miles and NOT have the possibility of them doing 30000 miles and claiming the rest wasn't them. Well, apart from vehicle tracking with your own insurance smart card - which is a rather scarier prospect!

[Sam_Y_93]

[Hetzer]

How long before ins companies think they can charge per-mile? It's not as if we have any choice about buying it, or that the govt legislates to prevent the outrageous abuse of ins companies against the public.
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"There's the horizon! Ride hard, ride fast and cut down all who stand in your way!"

[RichieZX6R]

I've seen some companies (such as more than i think) that were offering trackers and cheaper prices if you didnt drive between 10pm and 6am or some thing like that as thats when the young boy racer lot seem to be in the local fast food car parks etc.
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Current: Kawazaki ZX6R 51
Past: Kawazaki ZX6R 96 - Honda CBR 600F4 05 - Dragstar 125 02 - Honda CB 400 SF 94 - Honda NSR 125 51 - Gilera Runner XV125 04

[Minty]

Or because the Govt is a majority shareholder in a bank that provides a fair chunk of the private motor insurance market.

Conflict of interest?
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My fingers smell of your mum.

[G]

Yea, there's already companies that are trialing schemes that not only charge per mile, but your driving style. For most of the people taking it up, it ends up with much cheaper insurance.
Of course the people wanting to do 90mph through 30mph zones on their bikes probably aren't applying.

[Wafer_Thin_Ham]