Limited Mileage Car Insurance
Lower premiums for motorists driving fewer miles every year. This type of policy can save you pounds in comparison with a standard motor policy. An insurance company offers an often substantial discount from a premium in return for the insured car covering up to an agreed mileage.
You could save money today!
Click through on the ‘Get a Quote’ button above to compare limited mileage car insurance from leading UK specialist and mainstream motor insurers, and obtain the most suitable fully featured cover and protection you require. The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best deal.
Limited Mileage Car Insurance FAQs
What is limited mileage car insurance?
Answer: Limited mileage car insurance is simply a policy where you agree with your insurer on how many miles you expect to drive in a year. Because lower mileage generally means lower risk of accidents, many insurers will reduce your premium if you drive significantly less than average. It’s essentially the same cover as regular insurance, but with a mileage factor built in.
How many miles per year counts as “limited” or “low mileage”?
Answer: There’s no industry-wide fixed number, but many insurers treat around 5,000–7,500 miles per year as low mileage compared to the UK average of roughly 7,000–10,000 miles. Below those levels will typically qualify you for limited mileage pricing.
How do insurers check or verify my mileage?
Answer: During quoting, you’ll usually estimate your annual mileage. Insurers may ask for: recent odometer readings (e.g., photos or a report), MOT/service records showing annual mileage, or install a telematics (“black box”) device to track actual miles.
If you underestimate and later exceed your agreed limit, you might have to pay extra or, in some policies, risk invalidating your cover on a claim — so accuracy is important.
Will limited mileage insurance always save me money?
Answer: Often it can reduce premiums, because you’re statistically less likely to be involved in claims; savings of 10–30% are typical for genuine low-mileage drivers — but this varies by insurer and other factors like age, vehicle, and location. However, if you exceed your mileage estimate or choose a policy with telematics that records higher actual usage, your premium may increase at renewal.
If you are looking to save money by not covering as many miles through the year, compared to the average motorist, possibly drive a rare or classic vehicle then many of the UK’s leading providers can be found right here – saving you money on your current low mileage policy.
This company are able to keep their premiums low by tailoring every policy to suit the personal driving habits of each individual. In fact they were at the forefront of introducing competitive low mileage car insurance policies in the UK. Applicable to classic cars, customised, prestige vehicles, high performance and most makes and models, so long as you cover a limited number of miles every year.
Most insurers will provide a limited mileage policy (of sorts), although on many occasions you could receive a lower quote from a specialist broker or intermediary. Endsleigh Insurance in particular are totally transparent about their limited mileage cover and policyholders are supported by excellent levels of service.
Note: If you select a limited mileage policy you should always inform your insurer if any of your circumstances change and you require higher mileage limit on your car insurance, otherwise it could be difficult to make a successful claim.
