Nobody wants to pay for things they don’t use. When it comes to insurance, if you’re using your car less than normal, ask for some money back for the miles you don’t drive.

How does it work?

When you get a quote from us, we’ll ask you to estimate the number of miles you normally drive in a year. If you end up driving less than expected, you can ask us for a refund on the miles you haven’t driven when your policy is up for renewal.

You just need to register your mileage reading online when you take out the policy and again at the end. We’ll do the rest. The sooner you give us your initial mileage reading, the bigger your refund could be.

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How much will be refunded?

Our calculation is based on how many miles you’ve actually driven compared to the number of miles you estimated you would drive. You’ll get 2% of your premium back for every 1,000 miles you don’t drive (excluding optional extras or interest charged on monthly payments). If the distance you haven’t driven is more than 10,000 miles, you’ll get 20% of your premium back (the maximum refund we offer).

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When David took out his Direct Line policy, he predicted he would drive 12,000 miles in a year. He used our online form to tell us his car’s mileage reading.

However, David was on the road less than expected, only reaching 9,000 miles by the time his policy was due to end. So, he used our online form again to give us his latest mileage reading. We were then able to recalculate the cost of his insurance based on his actual mileage, giving him some money back for the 3,000 miles he didn’t drive.

Because David was paying £400 a year for his insurance, he got a refund of £24 within 30 days of giving us his final reading.

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What about significant changes?

We understand that circumstances can change, and that can be hard to predict. That’s what Mileage MoneyBack is for, to offer a little help during those unexpected times.

However, if you know with reasonable certainty that a new situation will significantly affect the amount you drive, you must tell us. That way, we can adjust your estimated mileage so that it’s accurate in case it affects your premium in the future. As with all car insurance policies, your premium might also change depending on the circumstance.

Just give us a call on 0345 246 3761 and we’ll be happy to help you.

Amy’s drive to work usually involves a 50-mile round trip. However, her office has been closed for a while and she’s unsure when it will reopen. Because she doesn’t know when she’ll be driving to work again, it’s best for Amy to register for Mileage MoneyBack.

Meanwhile, Steve has started a new job much closer to home – cutting his daily commute by half. He knows he’ll be driving less, and is able to work out what his new annual mileage will be. It’s better for Steve to tell us about this so we can adjust his policy.

Frequently asked questions

Yes, if you want to apply to get a refund. We’ll ask you to provide an initial mileage reading when you take out your policy with us, then submit another reading at the end of your policy. If the mileage is less than you predicted, we’ll calculate your refund and credit the account you used to pay for your insurance. The sooner you give us your first mileage reading, the more money you could get back.

Your refund is calculated from either the date your policy starts or the date you submit your first mileage reading (whichever is latest), so you should submit your first mileage reading as soon as you can.

We’ll then invite you to renew your insurance with us 30 days before your policy ends. Once you receive this invite, you’ll be able to submit your final mileage reading. You’ll then have up to seven days after your policy ends to submit it.

Absolutely. If you already have car insurance with us, you can still claim money back for the miles you don’t drive. We’ll ask you to provide an initial mileage reading, then submit another reading at the end of your policy. If the mileage is less than you predicted, we’ll provide a refund for the difference from when you registered until the end of your policy. Just keep in mind that if your policy is due to end soon, it’s unlikely you’ll get a refund unless you’ve driven 1,000 miles less than expected. As always, the sooner you give us your mileage reading, the more money you could get back.

When we calculate your refund, we’ll take the mileage reading you declared into account for the entire year. For example, if you estimated you would drive 10,000 miles, but only submit your mileage reading half way through your policy, we’ll assume you would drive 5,000 miles for the rest of the year.

It depends on how many miles you’ve driven compared to the number of miles you initially declared. But for every 1,000 miles you don’t drive (compared to your estimated mileage), we’ll refund 2% of your base premium (up to 10,000 miles). This is the amount your insurance costs once you exclude any interest paid on monthly payments and extra benefits added to the policy (such as breakdown cover).
If the number of miles you’ve driven is lower than the mileage you initially predicted by more than 1,000 miles, we’ll process your refund payment within 30 days of you submitting your end of policy reading. The account you used to pay for your insurance will be credited.
Not as a direct result of this. But as with all car insurance policies, your premium might change if you tell us of any changes to your circumstances during the policy period.