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There are many drivers that are driving fewer miles and using their car infrequently. If you don’t use your car often, you could pay less for car cover compared to the average motorist. But that doesn’t mean the savings stop there, you can compare low mileage car insurance at mustard.co.uk.

Jump to section

  • What is considered low mileage for insurance?
  • Can insurers check mileage?
  • Are there different types of low mileage car insurance?
  • What happens if I drive more miles than my insurance?
  • FAQs
  • Useful links
  • Customer reviews

Jump to section

  • What is considered low mileage for insurance?
  • Can insurers check mileage?
  • Are there different types of low mileage car insurance?
  • What happens if I drive more miles than my insurance?
  • FAQs
  • Useful links
  • Customer reviews

What is Low Mileage Car Insurance?

Low mileage car insurance is designed specifically for drivers who don’t cover many miles whether through choice or circumstance. If you do find yourself driving fewer miles, then a low mileage insurance policy could offer significant savings to all drivers, regardless of age and experience.

For example, you could benefit from a low mileage policy if you:

  • Live close to your workplace or college
  • Need car insurance for a second car that is not often used
  • Only drive to run the odd errand
  • Only drive your car for part of the year.

What is considered low mileage for insurance?

There is no official definition of the number of miles that are considered as low mileage. However, according to the Department of Transport, the average annual mileage of a car in the UK in 2020 was 6,800 miles.

While each insurer is likely to have its own definition of ‘low mileage’, if you are planning to drive less than the national average, then a low mileage insurance policy could be for you. You could benefit from a cheaper insurance policy.

Low mileage car insurance FAQs

Can insurers check mileage?

If you have a telematics policy, also known as a black box policy, insurers will usually be able to see how many miles you’ve driven based on the GPS element within the telematics device.

Otherwise, insurers won’t be able to specifically check the number of miles you do unless they ask you or compare previous MOT certificates for your car which shows the current mileage.

Are there different types of low mileage car insurance?

Some specialist providers offer a pay-as-you-go policy, also known as By Miles insurance. Pay-as-you-go policies charge you for each mile you drive (although some calculate it per hour), so you only pay for the miles you drive. You’ll still need to pay a flat fee for other car insurance features like damage, theft, vandalism, and liability.

Find out more about pay-as-you-go car insurance and get your car insurance quote here.

What happens if I drive more miles than my insurance?

Insurers are unlikely to penalise you for going a little over your mileage. But, if you drive significantly more miles than you originally estimated, you risk invalidating your policy.

That’s because insurers have assessed the risk of an accident based on the number of miles you say you cover. Dramatically increasing those miles raises the risk of an accident which wouldn’t have been factored into your original premium.

If you think you might exceed your estimated mileage, it’s best to let your insurer know. You might have to top up your premium. However, the alternative is that your insurer can refuse to pay out after an accident.

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