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Low Mileage Car Insurance

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Do you use your car or a second vehicle for infrequent or local trips? If so, you could get a cheaper quote with our low mileage car insurance.

Existing customers please call

What is considered low mileage for car insurance?

While the definition of “low mileage” will vary from insurer to insurer, we can generally offer low-mileage policies for customers driving under 7,500 miles a year. According to the Department of Transport, the average four-wheel vehicle drove 7,600 miles in 2018, which means you might be driving fewer miles than you think.

If in doubt, give us a call!

Key features and benefits of limited mileage car insurance

All the usual Adrian Flux benefits are available with our limited mileage black box policy, including:

  • Protected no-claims bonus: so one accident doesn’t ruin your driving record
  • Quotes tailored to you when you speak to us over the phone
  • Free legal expenses cover
  • Breakdown cover from only £42 a year

How does it work?

Essentially, you just let us know how many miles you’ll drive during your policy year and we use this to work out your premiums. Low mileage car insurance usually works out much cheaper than standard car insurance. Our Black box explained.

How do I calculate my mileage?

An easy way to do this is to use the mileage recorded on your car between MOTs as a guide. If you haven’t been driving for long enough to do this, work out how many miles you drive each week and times this number by 52 for a ballpark annual figure.

Perfect for second vehicle or classic car owners

If you have a second car that you don’t use often, a low mileage policy is perfect for you. As specialists in classic car insurance, we often insure drivers who have a classic car that they only drive around on sunny days or for classic car events. Speak to us now for more information.


Who is it for?

Our low mileage car insurance policy is suitable for anyone driving less than 7,500 miles each year. Whether you drive a classic car, a van, or a standard four-wheeler, give us a call and we can help.

What if I exceed the mileage I originally claimed?

Don’t worry, you won’t be penalised. All we’ll do is adjust your mileage for the year. Please note that this will usually result in higher insurance premiums than your original quote.

How can I lower my annual mileage?

Not using your car as frequently is the obvious answer, but sometimes it’s difficult to know where or how to make these changes. If you find yourself making journeys in the car that could have been covered on foot, consider walking instead.

You could also decrease your mileage significantly by carpooling with friends and colleagues. Instead of commuting to work or a venue by yourself, a potential solution is to take turns with your friends and colleagues to drive to and from a certain location.

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