Low annual mileage can affect premium, but it does not guarantee a lower quote. Standard annual policies, low-mileage policies and pay-by-mile products use different pricing methods.

How insurers commonly treat this

• Some pay-by-mile products combine a fixed charge with a mileage-based charge.
• Telematics or mileage reporting can be part of some low-mileage products.
• Normal underwriting factors such as driver history, postcode and vehicle type still apply.

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.