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An update on Mileage MoneyBack

Unfortunately, Mileage MoneyBack is no longer available to new or renewing customers buying a policy after 5 December 2022.

What is Mileage MoneyBack?

With Mileage MoneyBack, if you drive your car less than you expected when filling out your quote, you could get some money back at the end of your policy.

How does it work?

If you have a Direct Line car insurance policy, you may still be able to benefit from Mileage MoneyBack by signing into your account and submitting your car's current mileage. We work out your miles driven from the date you sign up to Mileage MoneyBack, so the closer to the start of your policy that you sign up, the bigger your refund could be.

At the end of your policy year - once you receive your renewal invite - you'll need to submit a new mileage reading. We'll then work out how many miles you've driven, and compare this to the estimated annual mileage on your policy (your estimate can be found on your policy documents).

For every 1,000 miles under your annual estimate, you'll get back 2% of the cost of your insurance (excluding optional extras or interest charged on monthly payments), up to a maximum of 20%.

How much will be refunded?

At the end of your policy, we'll refund 2% of the cost of your premium (excluding optional extras or interest charged on monthly payments) for every 1,000 miles you didn't drive.

So, if you estimated you'd drive 12,000 miles over the year, but actually drove only 10,000 miles, you'd be due a 4% refund.

The point at which you sign up to Mileage MoneyBack makes a difference to the maximum refund you could receive. Sign up right at the start of your policy and we'll look at the entire year when working out your refund, but start later and we'll assume you drove an equal share of your annual mileage estimate up until your sign-up date. This is because we won't have your mileage readings for the time before you signed up.

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, submit your policy reading, and we'll start processing your refund. We'll aim to have the money back into your account within 30 days, but this may take longer depending on the number of requests we receive.
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.