Adding miles to insurance?

[NJD]

So I may or may not have made a mistake in declaring to little miles on my insurance (first year rider, i'm sure i'm not the first, lesson learnt), time will tell, i've a long way to go yet, well maybe not long enough as my maths (yes i'm being far to cautious and planning ahead) means that I might end up at the cut off point a couple of weeks before renewal, although I sense sooner than that due to actually wanting to use my bike, talking of which..

I'm sick and bored of being limited by the aforementioned mileage but at the same time not wanting to phone up and face another huge admin fee, I'll be sure to add a ridiculous amount to next years policy as dummy quotes tell me it makes no difference to the price, adding a high mileage doesn't effect anything but the price, right? (ie; wont affect them wanting to cover me if I add mods etc? - mainly just applies as next year i'll hopefully be on an A2 bike and may actually want to put money into a half decent runner as opposed to a 125).

So, what checks are done to ensure the mileage stated is correct at the end of the year?

Also does altering the miles effect the overall cost of the policy, or is it just an admin fee and that's it? (I'd ask the insurance company, but I don't want to end up with a billion questions and end up being forced to donate money).

Feel free to laugh at the predicament I may find my self in in a few months time (I am, my wallet may not be)

[Rogerborg]

On the tiny chance that you make a claim, and the tiny chance that they're bothered by the mileage, and the tiny chance that they want to make an issue over a fraction of your declared mileage, the burden would be on them to show that you've gone over, without any help from you.

If this concerns you to the extent that you keep giving therm money, I really would suggest that you reconsider the risks of riding a motorcycle.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[CaNsA]

"I had to replace the clocks innit. The old one broke and I got these from ebay"

[Dave70]

Do they know how many miles were on the clock before you bought it? If not, how will they know how many miles you have put on?

Secondly, and I'm not saying this hasn't or won't happen but, on my two claims after crashes, the milage has never been checked ot questioned.

I wouldn't have thought the annual mileage would make much difference to the cost of insurance though but, I don't actually know if it does or doesn't tbh.
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There ain't no devil, there's just god when he's drunk.

2012: R125 killed by white van. 2016 R125 killed by 30,000 miles of redline. Current: 2016 Kawasaki ER6f.

[monkeybiker]

Only problem I see is if you need to make a claim but once the policy is over who cares. You could try phoning them up and asking what the cost to change mileage.

[Pete.]

You loaned your bike to your brother for two months.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[BrownTrousers]

^everyone speaking a lot of sense. Don't worry about it.

For what its worth, my insurance company told me if I made a claim and was found to have gone over my mileage, they just charge a slightly higher excess. YMMV.
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Bikers make great organ donors - add your name to the register
Ducati Multistrada 950 | Triumph Tiger 800 XR | Honda CBR500R | Yamaha YBR 125 Custom

[monkeybiker]

[Aff]

"I keep my bike on track stands outside, with the ignition on, and the wind makes the wheels spin."
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Current Bikes:Honda 929RR Fireblade, Honda CD200 Benly (Project), Stomp Z2 140
Electric Bike Project

[Dave70]

[NJD]

[Pete.]

You rated my post as funny but it was a serious suggestion. If someone else is riding it then that mileage is not being racked-up on your 3rd-party liability so why should it be considered when factoring your level of risk?
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[NJD]

[Wonko The Sane]

"Hi, was wondering what happens and how much to add another 1000 miles or so to my millage limit?"

"Ah, no worries, I'll take the train to visit my mum"

when you took out the policy did you have to declare millage on the bike?

Is a millage limit actually listed in your policy or is it that you got quoted for 6,000 miles when you put the info into comparethemuppet.com or whatever site? (try thebikeinsurer.com next time)

if it's the latter and you weren't asked how many miles the bike has done then the information was volunteered as information only and don't worry too much.

My first policy had a millage limit and I was asked how many miles the bike had done, I might have miss-read the display when submitting that

My second year's policy had a millage limit, however I was never asked how many miles the bike had and given that the bike was 8 years old no one was going to know how many miles I'd done.

by year 3 I'd swapped bikes and no one cared anymore.
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[Pete.]

Bit hard to deny the starting mileage on a new bike.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[NJD]

[JoeDougieDoug...]

Don't think I've ever been asked what the mileage was on a bike before insuring in... So it shouldn't make any difference. I just set mine to 10,000 and be done with it. I've had my current policy active for 3 months and I've already clocked up 3500 miles

Spend less time worrying, more time riding.
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CBT Passed - 22 / 10 / 11 >> Theory Passed - 16 / 02 / 2012 >> Mod 1 Passed - 07 / 03 / 2012 >> Mod 2 Passed - 18 / 05 / 2012.

[NJD]

[wr6133]

Dial clock back if it bothers you that much

[P.addy]

Someone I know declares 1000 miles a year. They do that monthly...twice over.

[CVSensei]

I accidentaly went over my mileage by 8k.. Only declared 3 Had actually completely forgotten that was even a factor but MCE didn't give a shit about me so I didn't give a shit about them. All was fine and dandy at the end of my cover and I moved on.

Plenty of excuses if the proverbial does hit so just get on with riding mate.
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2014 Yamaha MT-07 ABS Deep Armour
'If all else fails, read the instructions.' - Grandpa
'Two possibilities exist: either we are alone in the Universe or we are not. Both are equally terrifying.' - Arthur C. Clarke

[bamt]

Come renewal time, it's worth playing with mileages on the compare websites - it may not make much difference. I do about 25K a year, and am unlikely to do much more as there are only so many hours in a day. Currently I have 35K declared, with 25K of those business miles (I do commute to more than one office and do the occasional visit to customers). Those extra miles made absolutely zero difference to my premium (£100 FC), so there's a useful buffer.

[groovylee]

What Bamt said. I did a quote based on 4k a year. Then I did a quote on 20k+. Guess which was cheaper

They make it up as they go along.
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Past - 1988 honda revere 600, 1996 kawasaki gpz500s, 1999 Yamaha R6

Current - 2002 Aprilia RSV1000R & 1999 Kawasaki ZX6R

[arry]

It's an estimate of your annual mileage and isn't a capped limit unless you've opted to have it capped, ie it's a limited mileage policy.

Otherwise a few hundred miles either side isn't going to make a damn bit of difference

[Rogerborg]

Looks like it is capped: