Ross Posted April 4, 2008 Posted April 4, 2008 Hi, Searching round for qoutes for insurance and when asked about limited milage i dont understand how they will know if the car has done the miles on the road or track. How will they verify this as for example you could have insurance with a 1500 mile limited policy but then do 1000 miles on track and 1500 on the road therefore exceeding the cover limit but the car is not insured for private land driving therefore you have technically not exceeded the policy limit. But if they check the reading on the odometer they will say you have exceeded the limit. What do you do? Thanks and Reagrds Ross Quote
Blatman Posted April 4, 2008 Posted April 4, 2008 Disconnect the speedo... It'd be worth asking the insurers though, they may have a procedure in place to accommodate track mileage... Quote
Barry Ashcroft Posted April 4, 2008 Posted April 4, 2008 Ross interesting question never thought of that before let us know what you find out. Quote
pistonbroke Posted April 4, 2008 Posted April 4, 2008 I had the same issue with my previous insurer , there reply was I should inform them of any track day activity, log the off road mileage and show proof of same to enable them to amend there records Quote
Ross Posted April 4, 2008 Author Posted April 4, 2008 Spoke to Footman James and although the car is not insured on trackdays the milage done on track will count towards that of the policy. For example in a 1500 mile limit policy 1000 miles could be done on trak and 500 on the road and that would be the limit. Ross Quote
Mark Stanton Posted April 4, 2008 Posted April 4, 2008 Being mindful that insurance company representatives are logged into this forum and can read what is being considered - do you think it is astute to advise or note of speedos being disconnected Quote
Mid life crisis Posted April 4, 2008 Posted April 4, 2008 I found that on my insurance policy the differance between 1500 and 4500 miles was only a few quid, so I took the latter. Car now done 800 ish miles in three years Quote
stu999 Posted April 4, 2008 Posted April 4, 2008 Being mindful that insurance company representatives are logged into this forum and can read what is being considered - do you think it is astute to advise or note of speedos being disconnected Correct - unless it is disconnected for track use only (as intimated above) - which has got bu66er all to do with the insurance company if they wont insure you while you are there... Quote
Blatman Posted April 6, 2008 Posted April 6, 2008 Precisely. If the mileage on track is considered as being contributory to the mileage covered on the policy, surely by implication, your insurance should be valid whilst on track. There will be a disclaimer to state otherwise, but I wonder if counting "off road" mileage in with on road mileage is fair and reasonable. I'd challenge the ruling with the underwriters and maybe even the ombudsman... Quote
RobK Posted April 6, 2008 Posted April 6, 2008 I have a question about this We have just bought a Westfield, the insurers refused to provide an unlimited mileage policy and offered a 10,000 miles per annum policy (which we are using). The car is a track based car but is fully road legal. Strangely it has no speedo or odometer!? Is this road legal? I have confirmed with an MOT man and its not an issue. 2 previous MOT's have recorded mileage as "not available". We are using a Sat Nav to ensure correct speeds are maintained but i am still amazed this is acceptable and road legal. Also how does my insuarance have any evidence of mileage covered? They didn't ask if an odometer is present. What are peoples thoughts on this? Quote
Blatman Posted April 6, 2008 Posted April 6, 2008 I would imagine the obligation is on you to provide evidence that the mileage limit has not been exceeded as you are aware of the requirement going in. Your only problem is that when they ask (they may well do on the renewal form) will be providing the documentation they ask for. If they ask for MOT's as proof, then you're stuffed. If they simply ask for a self declaration, you'll be OK. If they ask for the mileage reading on the Odo, I suspect more questions will be asked if you tell them the truth, which of course you should. I'd be checking the small print and asking them, but maybe don't use your real name when you pose the question just in case they catch on before renewal time Having no speedo or odo is quite legal as they are not tested at MOT time whether you have one or not... Quote
tex Posted April 8, 2008 Posted April 8, 2008 i have a limited mileage policy - the only problem i can see if your mileage declaration isnt accurate is if you stuff it or claim - if your over the stated limited miles they aint gonna pay! i got 7500 and it will see you well thro the year.. you have to sign a form stating you wont exceed the mileage but there is nothing about using track mileage as 'non counting' - if you drive it - it counts! Quote
Blatman Posted April 8, 2008 Posted April 8, 2008 you have to sign a form stating you wont exceed the mileage but there is nothing about using track mileage as 'non counting' - if you drive it - it counts! Insurance is about the risk of paying out weighed against the exposure of the vehicle to "danger". If the policy states "No track day cover", then the risk of paying out due to a track day incident is nil. Why should you be penalised for putting miles on the car on track when there is zero risk of a claim arising? Doesn't seem fair or reasonable to me... Quote
Symbiotic_Caterpillar Posted April 8, 2008 Posted April 8, 2008 Doesn't seem fair or reasonable to me... Remember that we are talking about insurance companies here. Quote
Blatman Posted April 8, 2008 Posted April 8, 2008 True enough, but as it's a civil "rule" it would only have to pass the "fair and reasonable" test if it was put in front of an independent adjudicator, like a migistrate. Prove it's unfair and/or unreasonalbe, and you should win... Quote
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