Do I need to notify my insurance company that my mileage is increasing?

Question

due to doing unpaid voluntary transporting for local charitable organisations.

Answer 1

As a courtesy and for your own peace of mind, I'd give 'em a ring, if only to make sure you're covered for your voluntary work.

Most insurers are only bothered if there's a "significant" increase in your mileage, like if you change from your original under-10,000 shopping use to 70,000 a year on the motorway as a rep!

Answer 2

There is no reason to tell them.

Some insurance companies will give you a break if you drive UNDER a certain amount of miles per year. The only thing that will happen is that you will not qualify for this discount the next time you're renewed.

Since you're doing voluntary transportation for a charitable organization, the car's use doesn't change to "for business" which is the only thing you should originally be concerned about.

Good Luck.

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Answer 3

Make sure you are named by that charitable organization's vehicular insurance on said policy. Most private insurance companies will not cover you while you are acting as a transport, it is considered commercial vehicle use. If you are in an accident and they don't cover activity like this, they don't have to honor your claim. Check with your policy and the HR of the orginization.

It's not a matter of milage. It's a matter of coverage.

Answer 4

I personal wouldn't bother. unless you have told them what your mileage was or you have told the road tax people then it would be very hard to prove that you have gone over or not. I normal say i do 12k or 14k and normally do within a 1000 miles of that either over or under. but i never declare my mileage unless 100% needed too.

Answer 5

It depends ...check your insurance policy. Some stipulate that you can only cover a certain amount of miles in a year.

Answer 6

You should but I put on my policy I do 10000 miles a year which I actually do 15000.