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DJP Crazy Courier
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Posted: 15:05 - 18 Dec 2017 Post subject: |
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Analogkid wrote: | I signed up for an estimated mileage. Estimate is just that, a figure expected to vary, when policy docs got delivered this variable figure had turned into a hard and fast maximum... |
Analogkid wrote: | Those picking on the fact that I am somehow trying to lowball them with mileage are missing the point, its the ins co that ask for an estimate, there is no caveat suggesting I should overestimate in case I go over my top estimate figure, had they asked for a maximum mileage ceiling as in some classic car policies that would be different, however they asked me to estimate and then delivered a maximum based on that... |
I totally get where you're coming from: It seems that many don't understand the difference between “Estimate” and “Maximum”. They are not the same thing.
For example, I've had my car for 4 years and I've done 24,000 miles in that time. I therefore estimate that I do approx. 6,000 miles per year. That's a totally honest estimate, not a promise that I'll never exceed it.
If my insurers want to impose a maximum mileage, that's fine: They just say so at the outset. It's not hard. ____________________ Suzuki Bandit 1250
https://deejayp999.atwebpages.com/index.html
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Bozzy. |
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Bozzy. Scooby Slapper
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- Super Spammer
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Ste |
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Ste Not Work Safe
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Wonko The Sane |
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Analogkid |
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- Super Spammer
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Posted: 20:40 - 18 Dec 2017 Post subject: |
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Wonko The Sane wrote: | mpd72 wrote: |
Seriously, why do you think they ask? what's the point if it's just for shits n giggles?
Most people fully understand that you're supposed to pick a figure which will cover your expected maximum mileage. I really don't see the issue here.
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Yes, and I have done, as the OP did.
however, I can't know that my dad might pass away and my mum need to go into a care home resulting in me hopping across from Manchester to Leeds every weekend for a month or two sorting all their assets out etc which would up my millage for the year considerably.
I expect that I'll do 13-14k so I put 15k as my estimate to give a bit of clearance for the occasional longer trip.
going Manc to Leeds every weekend for a couple of months could push that easily to 17k (and I'd need to let my insurance know I suppose)
but your responses in this thread imply that I should consider the unexpected and account for it in my estimate. |
Sorry, which part of nothing is stopping you phoning up the insurer to up the limit when or if needed, as explained in the terms?
They are offering you a price based on declared mileage. If you exceed that you may have to pay a premium. If you upgraded the vehicle to a higher insurance group, would you expect no charge on that too?
Of course not! ____________________ TZR250 2MA road, TZR250 1KT road, TZR250 2MA race, TDR250, YZF-750R Boost colours.
Jaguar S Type 3.0 V6 Sport R, VW Transporter T5 GP LWB Shuttle 140ps DSG. |
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woo World Chat Champion
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Polarbear |
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Analogkid |
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Analogkid Scooby Slapper
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Posted: 22:46 - 21 Dec 2017 Post subject: |
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For what it's worth, I wasn't trying to lowball anyone, in over 600k of driving and insuring vehicles I've never had an estimate turned into a hard fact, if I was to go 250 over that they 'could' have been arsey in the event of a claim, a risk I was not prepared to take, and if I was to call up and adjust my mileage for a small amount of mileage they would have charged me a fee for adjustment, I'm highly unlikely to exceed my mileage as bike is for sdp use, and is on an sdp policy the only way I would I would go over with any significance, was if I had to commute, however I'd need to adjust more than the mileage.
I was concerned when after getting the policy I noticed a clause re the mileage, with changing an estimate into a maximum, I initially called up to ask them to amend the clause, they said I could live with it or I could cancel, when I cancelled they wanted to charge me, this I thought unfair as I didn't get the product I thought I had bought and therefore shouldn't be charged.
Those trying to suggest that I was somehow being dishonest or trying to save a couple of quid, should not judge others by your own metric, the replacement policy cost more than the £25 'cooling off fee' from JMI but there are no unexpected clauses in it, so I am happy, the cost wasn't the issue, but fine if you want to be the mouthpiece for the Insurance industry, then wire in. |
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Rogerborg |
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Rogerborg nimbA
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DJP |
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DJP Crazy Courier
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Posted: 14:04 - 22 Dec 2017 Post subject: |
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Given the hate-rage the usually occurs at the mere mention of insurance ( ), I'm frankly amazed at the number of people standing up for the insurance broker/company over this.
I've no particular objection to limited mileage policies but if that's what I'm buying then I expect to be told at the outset and not after I've paid the premium.
It really is that simple. ____________________ Suzuki Bandit 1250
https://deejayp999.atwebpages.com/index.html
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- Super Spammer
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Posted: 14:20 - 22 Dec 2017 Post subject: |
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DJP wrote: | Given the hate-rage the usually occurs at the mere mention of insurance ( ), I'm frankly amazed at the number of people standing up for the insurance broker/company over this.
I've no particular objection to limited mileage policies but if that's what I'm buying then I expect to be told at the outset and not after I've paid the premium.
It really is that simple. |
What do you think they ask you the question for if it's non-binding?
It really is that simple.
OP claims it asked for an estimate on the Confused.com website. I've just checked, it's worded as..
Quote: | "What's your total annual mileage (including business mileage)?
What is your business mileage? |
Looks pretty simple to me.
Clearly, you can't foresee it to the exact mile, so it is an estimation. They do however, expect you to be honest and as accurate as possible otherwise they may withdraw cover if you take the piss and don't inform them.
The "help" for that question states..
Quote: | Help
You can find how many miles you drove in a year by looking at your most recent MOT certificate. Then you can adjust based on whether you think you'll be driving more or fewer miles this year. Please give as accurate an estimation as possible. |
____________________ TZR250 2MA road, TZR250 1KT road, TZR250 2MA race, TDR250, YZF-750R Boost colours.
Jaguar S Type 3.0 V6 Sport R, VW Transporter T5 GP LWB Shuttle 140ps DSG. |
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Ste Not Work Safe
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Rogerborg nimbA
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Old Thread Alert!
The last post was made 6 years, 127 days ago. Instead of replying here, would creating a new thread be more useful? |
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