The device is smaller than a smartphone and is connected to your car’s OBD-II socket (on-board computer socket); this is usually found around the dashboard or footwell below the steering wheel.
The LOW MILER device will be sent in the post to your home address. This usually takes up to 5 days to arrive from the date you purchased your policy.
Once the device is fitted it will record information about how many miles you drive and where your car is kept overnight.
We will send you updates monthly by email on your mileage used.
The LOW MILER device will be sent in the post to your home address.
It will be posted through your letterbox and will include a fitting instruction leaflet, so you can easily fit the device to your car.
This usually takes up to 5 days to arrive from the date you purchased your policy.
The LOW MILER device will be posted through your letterbox and can take up to 5 days to arrive from the date you purchased your policy. If you haven’t received it after 5 days then please contact us and our team will be happy to look into this for you.
We’ll send you a monthly email outlining how much mileage you have used and how much you have left, to help you keep track.
The LOW MILER device will be sent to you with a fitting instruction leaflet, so you can easily fit this to your car.
The device is smaller than a smart phone and is connected to your car’s OBD-II socket, this is usually found around the dashboard or footwell below the steering wheel.
To help you find the connection point for your car, please enter your car make, model and year of manufacture into the following link www.wikiobd.co.uk.
If you have any further queries on how to fit the device please contact us and our team will be happy to help.
If you are having your car serviced or an MOT completed you may need to remove the LOW MILER device to enable access for your engineer. Please remember to replace the device, as soon as you can, when you pick up your car.
We will send you an alert if we notice the device is not connected. Your policy could be cancelled if the device is not plugged back in.
If you were to have an accident when the device was not fitted then there is an additional excess of £500 which would apply along with any other compulsory and voluntary excess on your policy.
We've already researched all cars that we think our customers can fit an OBD device to.
However in the event that the OBD device is not accessible or if you find the device is too difficult to fit, please contact our team. We'll be happy to help.
If you have an issue specific to your policy, for example; to get a price for top-up miles then please contact us.
Or you can contact us via email: lowmiler@morethan.com
Please note: there is always a risk in sending personal information via email.
Yes, you can drive your car as soon as your policy has started.
However, it’s important you fit the LOW MILER device to your car as soon as you receive it in the post, or by the day your cover starts.
Don’t worry if you plug it in early, we won’t start to count your miles until your policy has started so you can fit the device straight away.
Your policy will be cancelled if the device is not fitted within 7 days of your cover starting.
If you were to have an accident when the device was not fitted then there is an additional excess of £500 which would apply along with any other compulsory and voluntary excess on your policy.
We will waive the additional excess if you have an accident before you receive your smart device. If an accident occurs after you receive the device, but it was not installed, then the additional excess will apply.
If you are cancelling your policy before the start date or within the cooling off period (for example, the first 14 days) of your policy starting then you can return the LOW MILER device back to us and we will refund you the cost of the device. It is however not compulsory.
You will receive an email from us with instructions on how to send the device back to us and how long your refund will take.
Please note we are unable to refund a returned device if you cancel after the first 14 days of your policy starting or if you lapse your policy renewal.
The LOW MILER device will track the miles you have driven and estimate how many miles you are likely to drive in how many you have remaining for this policy year.
Don't worry if you run out of miles, you can top up at any time and for your flexibility, we offer mileage in 250-mile increments.
There is a £25 administration fee to add on to the cost of your miles each time you top up your policy regardless of how many miles you buy.
So please bear this in mind as buying the top-up miles you need in one go could save you money in the long run.
However, remember to estimate your miles as accurately as you can from the start as topping up can be a more expensive option.
We hope we don't have to cancel your policy but you should be aware that there are a number of reasons why this could happen. They include, but are not limited to:
- Failure to fit the LOW MILER device to your car within 7 days of your cover starting.
- Unplugging your LOW MILER device and not plugging it back in.
- Exceeding your mileage allowance (remember you can top up at any time).
- Not parking at your declared overnight location postcode for the majority of the time.
For further information about the cancellation of your policy, please read the policy wording thoroughly.
You must tell us if any of the information shown in your statement of fact changes. Find out more here.
It’s quick and easy to contact us and make changes to your policy with one of the LOW MILER team.
The team is available Monday to Friday 8am to 8pm, Saturday 9am to 5pm, and Sunday 9am to 4pm.
You must tell us if any of the information shown on your statement of fact changes, for example:
- Changes to your personal details such as name or address changes.
- Any claims, convictions, or points on your licence that you didn’t have when you bought the policy.
- Changes to your car, such as a new car, or any modifications you make to it.
- Finally any changes to your long-term health which may affect your driving.
If you wish to cancel your policy at any time or make any other changes, please contact our team on the number above.
Please remove the LOW MILER device from your old car before you sell or exchange, and as soon as you take possession of the new car you can plug the device in straight away.
To help you find the connection point for your new car, please enter your car make, model and year of manufacture into the following link www.wikiobd.co.uk.
If an extension cable is required for your new car, we will send you this in the post. It usually takes 5 days to arrive.
We will receive an alert once the device is plugged in to your new car so you don’t need to tell us or start the engine.
Please note if you were to have an accident and your LOW MILER device is not fitted at the time then there is an additional excess of £500 to pay along with any other compulsory and voluntary excess on your policy.
Postal paperwork usually takes between 7 to 10 working days, depending on the Royal Mail.
The credit or debit card payment is taken between 24 to 48 hours later and will appear as RSA on your bank statement.
Depending on your situation and what you need from your insurance, there may be ways we can help you manage your payments to make sure you don’t end up uninsured.
How to get in touch
To talk to us about the options that might be available to you, you can view our phone numbers and opening hours or join a live chat with one of our team by visiting our contact us page.
Please don’t cancel your payments without speaking to us first as we may be able to help.
If you’d like some free, independent advice
There are a number of places that offer free independent advice. For example, the National Debtline offers free and impartial debt advice for people living in England, Wales or Scotland. These independent organisations offer tools and resources to support you if you are in financial difficulty. These include online budget planners, affordability calculators and information on support such as the Breathing Space scheme, which gives a 60 day period where debt cannot be pursued. This scheme can be used once in a 12 month period.
We are supporting our customers who are most In need by prioritising their calls. Please only call us:
- Where contacting us by telephone is your only option
- To submit a claim
- To renew your policy
- If you have been unable to contact us to pay your renewal due to illness and are worried you may now be uninsured.
For our phone lines and opening hours, please visit our contact us page.
Please note that you may have to wait longer than normal, but our team will aim to answer your call as soon as they can.
You can also join a live chat with one of our team by clicking the Chat with us tab - this is the quickest way to speak with us.
Or, you may be able to ask a family member, friend, or carer to help complete our online form.
If you are:
- Impacted by coronavirus
- In self-isolation or caring for someone who is
- Suffering a health issue that prevents you from managing it yourself
Then you can nominate someone to manage your policy on your behalf. If a friend, family member or carer has your consent, they can pay your premium and make some changes to your policy.
To find out more, they can contact us using our online form and we will do our best to support them. Please ask them to specify on the online form that they have your permission to talk to us on your behalf.
If you need specialist help for a loved one, please see below a list of organisations that can offer further support:
- Age UK:
- NHS Responders: for those in need of support from an NHS volunteer
- Alzheimer's UK: Alzheimer’s Society coronavirus advice
We are unable to suspend car insurance policies. Please note that even if you are not using your car, by law you must insure your car unless the car is declared off the road.
If you change your address permanently, you must let us know to ensure that your car is fully covered.
We monitor your overnight location and need to know where your car will be parked the majority of the time throughout the policy year, if this location has now changed then please contact us to update your policy. For our opening hours, please visit our contact us page.
It is essential that we have your most up to date address as we do from time to time send important letters by post as well as email.
If you don’t have your driving licence yet then please feel free to send us your pass test certificate. You can access your DVLA summary easily online by following the below steps. You will need your National Insurance number to hand:
- Select Start Now under 'View or share your driving licence data'
- Enter all drivers details including Driving Licence Number, National Insurance Number and Postcode, and tick the 'I agree' check box
- Click the Share Your Licence Information tab along the top of the browser, then select 'Get a code'
- Your licence check code is provided, please then click the link title 'View, print or save your licence information'
- (PC/Laptop only) PDF will load at the bottom, left hand side of your screen. Please click the drop down arrow and press 'open'. Right click on your Driving Licence Summary and select 'Save As' and send this to us
- (Mobile Device) PDF will display automatically, please screenshot your Driving Licence Summary and send this to us
- Please make sure that your name, check code, status, endorsements and 'Can Drive' sections are in shot.
If you are unable to obtain your proof of No Claim Bonus, please contact us and one of our team can look into this for you.
Yes, they will be insured with third-party cover only under the following circumstances:
- They have their own car insurance that includes a 'Driving Other Cars' section
- They use your car with your permission.
If you have comprehensive insurance and want to ensure that damage to your own car is covered when someone else uses it, you should add the other driver as a named driver to your own policy. Please contact us to update your policy. For our opening hours please visit our contact us page.
If you are using your car for voluntary purposes to transport medicines or groceries to support others who are impacted by coronavirus, your cover will not be affected and you don't need to tell us.
This includes if you are volunteering for the NHS during this period.
If you are planning to make deliveries as part of your business, please check your policy terms, as you may not be covered.
We would like to take this opportunity to thank you for helping others in your community.
No, if you work for the NHS or are a key worker and need to use your own car to drive to different places of work because of the impact of coronavirus, your cover will not be affected and you do not need to contact us.
Thank you for the great work that you and your colleagues are doing in these challenging times, we all appreciate it.
Your UK car insurance covers you to drive in the EU, Norway, Iceland, Switzerland, Serbia, Andorra, and Liechtenstein. UK drivers don’t need to apply for a Green Card when travelling in or between the UK and EU and in the countries listed above. This includes driving in Northern Ireland and across the border to the Republic of Ireland. UK Motorists driving in these countries have access to the Green Card Free Circulation Area to enable driving across these European borders without producing a Green Card.
There are some countries that still require a Green Card to be produced when driving there, please visit Driving abroad - GOV.UK for the latest information. You will need to call us at least three weeks before your departure date to request a Green Card to ensure it arrives in time.Please note, the car insurance we provide as standard is the minimum cover you need by law. If you want to extend your cover to what you get in the UK, please contact us before you travel to add the Foreign Use Extension.
A Green Card is issued by your motor insurance company and has information about your vehicle such as its licence plate number and demonstrates that you have the necessary minimum motor insurance cover in place to be on the roads. If required in the country you are travelling to, or through, drivers must physically carry the green card with them whilst driving.
Yes, your breakdown cover will still work as usual across the EU if you have purchased the European breakdown option.
You can read the Government’s most up-to-date guidance on international driving permits, including checking which Post Offices offer this service and the Government’s guide to visiting Europe.
Contact us for further information. Our team is here to help.
