Limited & Low Mileage Car Insurance

Limited Mileage Car Insurance from Keith Michaels

At Keith Michaels we like to insure driving enthusiasts. If you use your vehicle infrequently and your car insurance does not take that into account, you’re missing out on the substantial savings a low mileage car insurance policy provides.

Whether you’ve moved closer to work or you only use your car once a year on an epic drive across the continent, we will tailor your limited mileage insurance to your needs. A low mileage insurance policy offers significant savings to all drivers regardless of age and experience.

Why Choose Keith Michaels for Low Mileage Insurance?

The advantage of our approach is that we take into account your individual low mileage or occasional use situation, allowing us to move beyond the restrictions that mainstream insurers are limited to.

Whether it’s your primary car or a second car spending the bulk of its life between events, road trips and meets locked in the garage, we have a limited mileage insurance policy for you.

People Who Might Qualify for Limited Mileage Car Insurance

Anyone who infrequently uses their car, or only uses it for very short journeys, could qualify for low mileage insurance. Insurance companies are likely to have their own thresholds determining what is considered ‘low’, but to offer some guidance, the average driver’s annual mileage is between 8,000 and 10,000. People who are most likely to qualify for low mileage car insurance could be;

• Those who walk or cycle to work instead of drive.
• Drivers who only use their car for one annual occasion, such as a classic car to a car meet.
• People who have access to free or subsidised public transport.
• Expats returning to the UK to use their UK-based car a few times a year.

What ‘Low Mileage’ Means

Considering the average annual mileage on a car in the UK is 8,000 – 10,000, it would be fair to assume that anything below 5,000 miles is thought of as low. Having said this, due to the dishonesty of many drivers claiming to do fewer miles than they actually do, most insurers expect drivers to drive more than they say, so they add extra miles to their policies by default. Luckily at Keith Michaels, we deal with policies on a case by case basis, so you can rest assured your policy is tailored specifically to your individual requirements. Just drive once a year? No problem.

What happens if I provide incorrect information about my annual mileage?

It is important to give your insurers accurate information about your annual mileage, and failure to do so could result in your insurance being invalidated. Should you make an insurance claim, mileage information is likely to be collected from your car. If this happens and the actual mileage differs significantly from what you had originally declared, your insurance could be nullified.

Do you offer limited mileage insurance for modified cars?

Drivers of modified cars are all too often getting ripped off by mainstream insurers. Car enthusiasts deserve to be rewarded for the care, time and attention they place into the maintenance of their most treasured possession. At Keith Michaels we offer excellent deals for modified car insurance and if you qualify for limited mileage insurance, you are likely to make even further savings.

Can I use my no claims bonus on my second car?

At Keith Michaels we specialise in insuring customers with more than one vehicle. Typically, your annual mileage on your second car will be less than that of your primary vehicle. What sets Keith Michaels apart from most insurers is that if you have accrued a no claims bonus on your first car, we can use this on your second car.

In addition to low mileage, how else can I reduce my premiums?

A low mileage insurance policy can significantly reduce your premiums and make driving more affordable. Opting for additional driver training and insuring your car as a classic are other easy ways to reduce your premiums. At Keith Michaels we are quick to reward fellow car enthusiasts.

How can I reduce my annual mileage?

The average commute mounts up to over 3,000 miles during the course of a year. Finding ways to reduce your annual mileage on your first car can put you in good stead for considerable insurance savings. The easiest way to reduce your mileage is by walking and cycling shorter local trips, only using your car to make more substantial journeys. Check out our annual mileage calculator.

Do you offer limited mileage insurance for classic cars?

Classic car drivers are a dedicated bunch. As the saying goes “you never ‘own’ a classic car, you enjoy it, look after it, and pass it on for others to appreciate”. It’s a philosophy that we share at Keith Michaels, as dedicated enthusiasts our limited mileage policies are critical in keeping thousands of classic cars on the roads and their owners in pocket.