Annual mileage is normally entered as a reasonable estimate based on expected travel. It does not have to predict the odometer exactly, but it should reflect the journeys reasonably anticipated when the policy is arranged.
How insurers commonly treat this
- A commuting estimate can be calculated from the round-trip distance multiplied by expected working days.
- Personal and longer-distance journeys also form part of total annual mileage.
- If actual usage later becomes materially different, the insurer can record an updated estimate.
What the quotation may ask for
Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.