LOW MILER car insurance
Frequently asked LOW MILER car insurance questions
You may have seen in the media that RSA will stop offering MORE THAN home, pet and landlord insurance to new and renewing customers from mid-2024.
Your existing policy will continue to operate as normal and the way you contact us remains the same.
We have created a help page with FAQs to answer any questions.
MORE THAN has stopped selling LOW MILER car insurance as part of our product range.
If you hold a policy with us and need to make a claim, you can visit the make a claim section.
Go to our contact us pages if you would like to get in touch.
A business decision was made to withdraw from providing MORE THAN car insurance in 2023.
We will get in touch with you in plenty of time before your renewal is due, where you'll be asked to switch your current policy to Swinton Insurance.
If you'd prefer to make your own insurance arrangements and not be contacted by Swinton, you'll be given the option to opt-out.
No, your current MORE THAN car, SMART WHEELS or LOW MILER policy, will continue unaffected; you will be able to make changes, claim and contact us as normal.
If you're a current MORE THAN home or pet customer, there is no need to worry. Your cover will carry on as normal for your full policy year. You can get in touch with us to make a claim and make any other changes in all the usual ways.
We will contact you in plenty of time before your renewal is due. This will give details about your options and what the next steps will be.
We will send you an email (which will also go into your online portal) around 3 weeks before your current policy renewal date, to confirm that you will need to arrange your car insurance with an alternative provider with effect from your policy expiry date.
Further details on your options and next steps will be contained in our communication sent out to you ahead of your policy expiring.
We are able to provide communications in alternative formats if required and you can contact us in the usual way to request this.
No, your ongoing car insurance claim will continue to be dealt with by MORE THAN until the claim has been closed.
If the incident you are reporting occurs prior to the end date of your existing policy, you should report your car insurance claim to MORE THAN in the normal way. If the incident you want to report occurs after your car insurance cover has moved to another provider, you should report it to your new car insurance provider.
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.
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 don't renew your policy.
You can view, print and save your Policy wording, charges and fees, Essential information and Insurance Product Information Document in your online portal.
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.
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.
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 your car
- 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.
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.
Copies of policy documents usually take between 7 to 10 working days to arrive by post.
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 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.
You can purchase a Foreign Use Extension, which can be added to your existing car insurance policy; however, we urge you to check the advice issued by the Foreign, Commonwealth & Development Office (FCDO).
Call +44(0)20 7008 1500 or visit the FCDO website. The FCDO provides daily, up-to-date advice on every country.
If you would like to purchase a Foreign Use Extension please contact us.
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 of the country that you were driving in when the accident or incident occurred. This may be different from your UK cover.
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.
