Classic car insurance and the annual mileage cap - worth it?

I’m with you - pen and paper just feels easier to remember sometimes. I’ve never had my insurer actually ask for proof at renewal, just when I filed a claim once. They seemed more interested in big overages than a few extra miles here and there. I wouldn’t stress too much unless you’re way over the cap. Schedules get crazy, life happens...

I’ve always wondered how strict they really are about the mileage cap. I keep a little notebook in the glovebox, but honestly, I forget to jot things down half the time. Once, I went maybe 500 miles over and didn’t even realize until renewal. Never heard a word from my insurer. Has anyone actually had them push back hard on a small overage? Or is it mostly just if you’re way over?

I’ve had the same question, honestly. My policy with Hagerty says 2,500 miles a year, but I’ve crept over by a few hundred once or twice - never heard a peep. I get the feeling they’re not out there with a magnifying glass unless you’re way over or making a claim that doesn’t add up. Still, I always wonder if it’ll bite me one day… but so far, no drama.

I get the feeling they’re not out there with a magnifying glass unless you’re way over or making a claim that doesn’t add up.

That’s been my experience too. I’ve had my ‘68 Mustang on a 3k mile policy for years, and one summer I definitely went over - road trip bug bit hard. When I renewed, nobody said a word. I think as long as you’re not doubling your limit or filing suspicious claims, they’re pretty chill. Still, I do snap a pic of my odometer at renewal just in case... probably overkill, but hey, old habits die hard.

I get the urge to document everything too, but honestly, I’ve never had an insurer ask for proof unless there’s a claim involved. Still, I wonder - has anyone actually had their coverage denied over mileage? Or is it just an empty threat most of the time?