What happens if my insured mileage limit is exceeded?

[Globules]

My car insurance is based on driving up to 6000 miles a year.

My boyfriend has put around 2000 miles on the car. He's got his own policy, he's not named on mine.

What would happen if i claim on my insurance and they saw that the car had been driven over 6000 miles in the duration of my policy?

You need to either read your policy or phone the insurer to check if the 6k miles is your personal annual mileage or the car's total annual mileage.

I’d guess that they would refuse to pay out. Insurance companies are notorious for finding ways to refuse payment—this one is really straightforward. You can do a change to your policy at any time, eg, up your miles. But if it is not at renewal, there will be an admin fee.

Why is your BF using your car so much? Are you aware that he has to be a named driver on your policy (again, there is an admin fee to do this).

Ask the insurance company to increase the mileage. Often the additional premium isn’t that big, you don’t need to wait for the renewal date.

He may be allowed to drive other cars on his own with third party coverage only -I always see this as an emergency situation coverage due to the cover

If youve driven 6,010 miles, not very much.
If youve driven 16,000 claim possibly declined.

The gray area is where the milage goes from "just over" to "you misled us".

If you are going to actually do 8000 miles, and quoted 6000, that's 33% more. Id ring them.

Add your boyfriend as a named driver at the same time as upping the mileage, and ask him to contribute to/pay for the additional cost. If he's driving on third party only cover, he's risking a big loss to you every time he drives it.

My partner changed jobs part way through one insurance year and our daily mileage increased from negligible to 50 miles but our long distance one off trips had decreased so it was as big as it might have.

We had an accident and the car was written off during month 11 of 12 of the insurance policy and from recollection we were at 8000 with the insurance covering 7000 and it wasn't commented on. The car we bought after that was new policy with the new mileage.

I think it would come down to whether the amount difference would change their perception of your risk. Going from 2000 to 3000 is a 50% increase but still firmly with "very low mileage". 5000 to 7500 also a 50% increase but moves you into low-average mileage. 10000 to 15000 now takes you from average to above average mileage

You need to ensure you up the mileage when you renew and he should be listed if regularly using it because it changes the risk situation with the car, if you have more than 3 months left you will be prudent to call them

If you want peace of mind just increase the mileage, i think most insurers allow you to do that online and pay the extra

He's not going to cough up, is he, if the car is written off - we can guess this!

What men do you know?!

Of course he would!

He's using my car as it's not the teeny car he's got. It's much more comfortable for the long journeys he did for his holidays over the summer.

He doesn't need to be a named driver. His policy covers driving any car.

Normally that kind of cover is third party only [editing to remove fire & theft, it’s the most minimal cover]. As other posters have said, damage to or writing off your car would not be covered.

Sorry op, if hes involved in a crash in your car his insurance only covers the other car. You could be left with no car or a huge repair bill, and an injury to your bf wouldn't get any compensation.

You may find adding him as a named driver doesn't cost anything, and might make your renewal premium lower (or it could have the opposite effect!) But either way he needs to be a named driver.

Ask him to read his policy and he will find it covers him for 3rd party insurance only

Do you drive his car whole he drives yours? If so then you need to be a named driver on his car too.

My husband and I are both named drivers on my mum's car, and she pays lower insurance as result. We both driver her car regularly and any long distance driving is done by one of us.