LOW MILER car insurance
A fairer deal for low mileage drivers.
What is LOW MILER car insurance?
We'll go the extra mile so that you won't need to
LOW MILER is car insurance linked directly to the miles you drive. It's designed for people who don’t use their cars often or those who travel shorter distances. Your annual mileage plays an important part in how insurance is calculated. Simply put, the more miles you drive the more you risk having an accident, and this is partly reflected in how much you pay. So, what if you don’t drive many miles and your risk is therefore lower than higher mileage drivers?
Car insurance for the miles you drive
Who could LOW MILER car insurance suit?
- You live in the city and don’t regularly use your car
- You’re reducing the number of days you drive to work
- You only drive your car at weekends
- You're 25 years old or above
- You’ve bought a second car
- You regularly drive under 7,000 miles a year
- You want to reduce your carbon footprint
Here's how to get started
Four simple steps to low mileage cover
Add up your annual mileage
Get a quote
Plug in and drive
Once you've bought your policy, we'll send you your LOW MILER device in the post for you to fit easily to your car. It'll keep track of your miles and we'll send you regular updates on how many miles you have left.
Top up your miles
See what's included in our LOW MILER car cover
Here are just some of the features you can expect
Personal Accident Cover
Courtesy car as standard
Your windscreen is covered if it suffers accidental damage such as a stone chip. Plus, your No Claim Bonus will not be affected. Excess applies.
Personal belongings cover
Child car seat replacement
Emergency care benefit
Getting a quote couldn’t be easier
You’ll need some information about:
- Your car registration
- Once we have this, we can find the make and model
- A rough idea of your mileage
- Your driving history – meaning previous claims or convictions
LOW MILER doesn’t mean less cover
LOW MILER means comprehensive insurance cover
If an accident is your fault or someone else’s fault or we don't know whose fault it is. You'll be covered (exclusions and restrictions may apply). That’s cover for damage to another person’s car and your own.
You'll be covered for:
Our comprehensive insurance covers you for car accidents, plus vandalism, theft and fire damage. You're also insured for damage caused by animals and natural disasters such as flooding.
Benefits of low mileage driving
This cover may help to reduce both your fuel costs and carbon footprint. What's more, your low mileage car is more attractive at re-sale. Plus, you'll get a fairer price for the miles you drive.
Our LOW MILER device
Don't worry. Our smart device isn't spying on how or when you drive. We're only interested in your mileage and where you park your car. For all your LOW MILER questions visit our FAQ's page.
Do you qualify for LOW MILER?
If you’re 25 or over and you drive below 7,000 miles per year, then you’re eligible for LOW MILER.
How LOW MILER could save you money
When you need more miles
You’re only covered for the amount of miles you’ve selected but don’t worry, if you think you’ll need more you can amend your mileage at any point during your policy year. It’s most cost-effective to do this during your first month, where you can buy mileage in 1,000 mile increments.
After this you can still top up your miles. This will be offered in smaller increments, but please note this will be a more expensive option. The cost of your top up miles is based on the information used to price your insurance and the amount of miles you’re buying.
Where do I fit the LOW MILER device?
The device fits into your car’s OBD-II socket (that's an on-board computer socket to you and me). It's usually found around the dashboard or footwell below the steering wheel. To find your car’s OBD socket (on-board computer) please visit www.wikiobd.co.uk or download their free wiki OBD app from the App Store or Google Play and follow the simple steps to find your car.