May 29, 2017
Low Mileage Insurance in NI

Tips to Reduce Car Insurance in Northern Ireland

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If you do not use your car regularly or are only covering a limited amount of miles over the year, you no doubt are already saving on fuel and maintenance costs. If you only use your car for short trips, you for sure want to pay as little as possible for your car insurance too. Below we have reviewed two methods to reduce NI car insurance  if you are an occasional driver compared to the norm.

There are many reasons that you might drive less miles in your car than the average driver. Maybe your car is a second vehicle, or it is possible that you’re retired and only use your car as a run-around. Possibly, you are searching for a low-mileage policy because you own a classic car that only comes out for shows.

Low Mileage Car Insurance

Your insurance premium is no doubt determined by many factors. Insurance companies will mostly base the price on what puts you at risk of making a claim. Examples of this would be your driving experience, how many miles you drive annually, and whether or not you have had any past accidents. The logic goes like this; the more time that you spend on the road, the more likely the chance is that you are going to be involved in an accident. Accordingly, you might think that if you drive fewer miles you will be charged less for your auto insurance. If your car is classed as classic then consider taking out classic car insurance NI.

This isn’t always the case. Based on past accident data, some providers may take it into consideration the fact that drivers who cover fewer miles are less likely to know the roads well. For this reason they may be more likely to be involved in an accident.

The average driver will cover about 8,000 miles per year. Do not assume that’s the case for you also. Mileage can vary depending on things like if you use your car to commute, do long trips, or if you only drive once in a while.

One of the most accurate ways to understand how many miles you drive annually is to check previous MOT or service certificates, as these most often will list the mileage on your car each year. Use these figures to establish how many miles per year you do. It is important to understand that making any dishonest declaration to your insurance company is considered insurance fraud and will automatically invalidate your cover.

Fortunately, there are some providers who offer specialist low mileage policies. There are others that will give a Low Miles insurance discount if you only cover a limited number of miles every year. Alternatively, you may also wish to consider ‘pay as you go’ insurance.

Pay as you go insurance

There are some types of insurance policies, usually ‘black box based’ that put particular focus on the number of miles you do when they calculate the cost of your premium. These ‘pay as you go’ insurance policies may be a good option should you not drive many miles per year. Some insurance companies will stipulate a limited mileage that you will be covered for. Then you can ‘top up’ in blocks of 1,000 miles to ensure that you are covered should you go beyond your original expected mileage.

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