Conor
Senior Member
- Joined
- Jan 22, 2019
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- 2,544
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- Location
- London, UK
- Your Mercedes
- 2010 S212 350 CGI // 2004 R230 500
So here is one for a lively debate.
My Admiral policy says 5000 miles (est.). And I quote "Annual mileage (est)", under "Vehicle details". There is no other mention of 5000 on the policy anywhere. So I would assume that isn't even something is enforceable..
Move onto my new policy with "REIS" for my track car Renault Clio, this is where it get's interesting. The policy is third party only and intended to be used mainly on track with light road usage, typically to and from tracks.
I told them I would do 1000 miles a year in it. They then proceeded to add clauses that limit my mileage to 1000 and that going over it will render the policy inoperable... This is complete horse s**t!
The car will be driven on track, where it is not covered under this policy. Yet the miles used on track are counted in the policy limitation, due to the limitation terms, but the policy summary states "non competition mileage".
* If for example, I went to brands 5 times a year, I would do 500 miles on the circuit and only 200 miles getting there.
This just doesn't add up at all.. and I think I am being mis-sold this policy if they are to enforce on track milage.
Has anybody come across this before?
------------
A very rough calculation of track mileage:
* Brands Hatch (Indy) lap = 1 mile
* Lap time = 1 minute (I wish!!)
* Number of sessions in day = 5
* Session time = 20 minutes
* Miles per 20 minute session = 20 miles
* Total mileage = 5 * 20 = 100 miles
* 5 track days a year = 500 miles
--
* 1 return trip to Brands Hatch from my house = 40 miles
* 5 trips per year = 5 x 40 = 200
My Admiral policy says 5000 miles (est.). And I quote "Annual mileage (est)", under "Vehicle details". There is no other mention of 5000 on the policy anywhere. So I would assume that isn't even something is enforceable..
Move onto my new policy with "REIS" for my track car Renault Clio, this is where it get's interesting. The policy is third party only and intended to be used mainly on track with light road usage, typically to and from tracks.
I told them I would do 1000 miles a year in it. They then proceeded to add clauses that limit my mileage to 1000 and that going over it will render the policy inoperable... This is complete horse s**t!
The car will be driven on track, where it is not covered under this policy. Yet the miles used on track are counted in the policy limitation, due to the limitation terms, but the policy summary states "non competition mileage".
* If for example, I went to brands 5 times a year, I would do 500 miles on the circuit and only 200 miles getting there.
This just doesn't add up at all.. and I think I am being mis-sold this policy if they are to enforce on track milage.
Has anybody come across this before?
------------
A very rough calculation of track mileage:
* Brands Hatch (Indy) lap = 1 mile
* Lap time = 1 minute (I wish!!)
* Number of sessions in day = 5
* Session time = 20 minutes
* Miles per 20 minute session = 20 miles
* Total mileage = 5 * 20 = 100 miles
* 5 track days a year = 500 miles
--
* 1 return trip to Brands Hatch from my house = 40 miles
* 5 trips per year = 5 x 40 = 200