Car insurance for low mileage drivers

Car insurance for low mileage drivers is for people who don’t use their cars as often. Although we don’t offer specialist insurance for those with low mileage, if you let us know how many miles you’re expecting to do each year, it could affect your car insurance premium. It’s important to select the correct range for your annual mileage. If you need to make a claim and your mileage estimate was inaccurate, your claim could be denied.

Low mileage is typically understood as driving a relatively small amount each year. While the exact threshold can vary, it generally refers to a level of driving that is significantly below average. This can depend on various factors, but usually, if you drive much less than what is common, it is considered low mileage.

If you’re not sure how many miles you drive a year, a good place to start is looking through your old MOT certificates as they usually list the mileage from when it was tested.

Your mileage is considered when determining the premium at the quote stage. Driving less may drive down the cost of your insurance.

But this isn’t the only factor that can change your premium. 

Your mileage can affect your car insurance premiums. If you drive less, some insurers may consider you less likely to have an accident. This means, your insurance provider might view you as a low-risk driver and you may pay less for your car insurance.