jsfenty

Yes you are correct but only if that particular insurer offers a limited mileage discount. Most insurers/brokers however will not be too helpfull in getting a refund sorted out. If you have declared a certain mileage and go over this then you are usually still covered but there will usually be a much bigger excess to pay in the event of a claim. Say you have a £250 excess this may be increased to £500 or £1000 in an extreme case. Regards, Stuart

Hi there, Just newly joined tonight but can offer some advice, as I am an Insurance Broker. All insurers have a rating structure to determine a premium to charge you. The type of car, age of the car, where you live, if the car is garaged at night, your occupation, how many drivers you want on the policy, any previous claims/convictions, type of cover, etc..... and maximum miles driven per year. The answer to all these questions either loads or discounts the premium by varying percentages. Some insurers give quite generous discounts for drivers who drive lower miles per year than others. Why should Jo Bloggs who drives 40,000 miles per year pay the same premium than Scooby Bloggs who may only drive 4,000 miles per year. Obviously Jo is far more likely by the law of averages to have a claim than his twin brother Scooby. You do not state if you had taken the policy out more than a year ago but when it was taken out you would have been asked the question "What is you maximum miles driven per year?" You must have stated a lower amount and this is how your premium had been calculated. Doing this type of thing online is not easy for your average buyer as all the information is there on the screen and in your policy documents but who reads this until it is too late. If you spoke to a human being all this should have been explained and does make life easier. Your insurers are however correct in asking for this additional premium as this was the discount you had received when the policy was renewed/taken out last time. Unfortunately they can send in the debt collectors and give your credit score a yellow card. If you go and talk to them saying this was not explained properly you might get a sympathetic person who could get this waived but you will be lucky. It is not worth the aggro for £65. It seems a hard lesson learnt. The answer is get a good local broker to you and as long as the premium difference is not too high compared to the directs/online insurers it could be worth its weight in gold. Free advice and when something like this happens your local broker may have a large account with the insurer and be able to pull a few strings. Sometimes it is not what you know but who you know. Hope this helps. Regards, Stuart