The price you pay for car insurance can be impacted by your annual mileage.

Low mileage car insurance policies are typically available for drivers who do fewer miles than the national average. Insurance companies deem that there is less likelihood of an accident occurring due to the decreased time spent on the roads. Less exposure = less risk!

The types of specialist low mileage insurance policies vary between insurers, and you may find that some insurance companies have specific criteria that must be met in order to purchase one of these policies. Some insurers allow you to pay for the miles you use by selecting a mileage cap, whilst other insurers may fit a device to your vehicle to monitor the miles covered.

The best way to establish your average annual mileage would be to look at previous MOT certificates, which should display both the mileage and test date. Additionally, if your vehicle has a warranty or service booklet, the mileage should be logged at each service.



As above, insurers are likely to offer different types of low mileage car insurance policies, each with their own terms and conditions, so it’s important you obtain accurate quotes. We recommend the use of a local broker to find a policy suited to your individual circumstances. 

Visit our blog ‘How do I choose the right insurance company for me?’ for further information.