There are some widely-held beliefs about car insurance that could be hampering your search for the best deals – or even invalidating your policy.
We help you sort the fact from the fiction.
It’s often assumed that driving fewer miles will result in a lower premium, but that’s not necessarily the case.
There are some instances where drivers with low mileage can pay more, but this varies by provider.
That’s because those who don’t drive much might be seen as not being confident behind the wheel, so could be more prone to accidents.
It’s important to be as accurate as possible about your annual mileage on your insurance application. The average UK motorist covers around 8,000 miles a year, according to the Government’s National Travel Survey. But some people do much more or much less than this.
If you’re not sure how many miles you drive a year, check your previous MOT or service certificates as these will show the correct mileage.
If you do drive fewer miles than the average person - under 6,000 miles - it may well be worth looking into low mileage car insurance or pay-as-you-go car insurance, as this can work out cheaper depending on how much you drive.
Pay by Mile car insurance works on a pay per mile basis. You have a monthly rolling subscription for your parked premium (this covers you while you’re not driving) and you then only pay for the miles you drive which could be from 4p per mile.
You won’t be penalised for paying monthly like some traditional car insurance policies.
It’s a common misconception that storing your car in a garage will give you a significantly cheaper premium than if you park on your driveway.
In reality, the difference could be negligible. In fact, in some cases it could be more expensive to put your car in a garage.
That’s because statistically you’re more likely to prang your car while entering or exiting a garage than parking in a driveway.
