Bike mileage

I've had the bike a year and a month and I've done just over 5000
miles. I only told the insurance company I'd be doing about 3000 a
year. Is it important that they know I will probably be doing more?

 

Any discrepancy like this allows the insurance company to wriggle out of any
claim you may make, so it's worth making sure the documents match the facts.

 

Charders wrote

I was told by CN that they charge more for low mileage than high in the
case of us non courier types but that might only apply to wrinkly
policies.

 

I changed mine for £0 from 10k to 15k.

Phone them up, see what they say. Better to know they find you aren't
covered.

 

Yes, for safety's sake. They won't load the premium, whereas if you have
a claim, they'll use it to try and wriggle out of paying.

 

Your right with your last point -- phoning 'em up to check -- however, in
your own example, most InsCos don't have any policy price hikes above 10k
miles, ergo, 10k, 15k, it makes no difference. OTOH, if you went 5k ->
10k, it almost certainly would.

 

You mean people do less then 10k?

 

The onus would be on the policyholder to prove the lower mileage using
purchase/service invoices, MOT cert and the like.

If you could not prove the lower mileage then the ins. co. would
automatically call you a liar and either refuse a claim or more likely
offer a reduced payout.

 

Just tell them - they are unlikely to put the premium up. Mate went
from 3000 to 6000 with no change at all.

 

Apparantly so. Strange people, clearly.

 

Hmm, well it depends. If it was a *genuine* (and that means that you've
really thought about it) estimate for the mileage, the fact that you have
exceeded that estimate is not a ground to avoid the policy.

If you do over double the estimated mileage, that would tend to suggest
and evidence the fact that the estimate wasn't genuine. Having said that,
if the estimate was genuine when you took out the policy, but a change in
circumstances (which you can show) meant that your actual mileage would
exceed the estimate, then you don't need to disclose this fact as there's
no duty to disclose after inception.

My personal temptation would be to tell them nothing. But then, if they
tried to wriggle out of it on my policy, I'd sue the fuckers the day
after they refuse to pay and it costs me next to nothing. So for you, you
might want to play it safe and tell them.

 

Well they don't do more than 10k and then 10k, now do they?

 

But I am. So shut up and stop talking bollocks. The duty of utmost good
faith only applies before the contract starts.

 

You've been waiting years, haven't you?

That must make all the slogging through law books and exams worth it
;-)

 

There is an 02 plate GSXR1000 in Biketrader at the moment with 400
miles on it.

 

Well, indeed. And on a related note, my -12R when I bought it was just
past its 2nd birthday yet only had 800 miles on it.

In fact, the previous owner bought a Gixxer Thou... Coincidence?
Probably.

 

Unless your policy specifies less than a certain distance, I'm sure it
doesn't matter in the least. They always ask, when you're getting a
quote, but I think it's just so that if you say "Oh; only 2000 miles" they
can offer you a cheaper, limited mileage policy.

 

Do you underwrite motor/bike business?

 

Oh, the mileage-related willy waggling.

You forget that some people have more than one vehicle. Someone doing
30000 miles a year between five vehicles may not do more than 10000
miles a year in/on any one.

For what it's worth, my next bike probably won't do more than 2500 miles
a year. Some know-nothing **** from here will be along shortly to tell
me that I'm not a "real biker". Whatever.

 

Some know-nothing **** from here will be along shortly to tell

Ooo me! Can I be a know-nothing ****? I got wet last night (on the way home)
so does that make me a "real biker" then?