Honestly, the mileage cap is the one thing that keeps me from just hopping in for a random drive. Do any of you know if insurers ever let you buy extra miles mid-year? I’ve heard some folks say you can call and bump it up, but I’ve never tried. Also, has anyone actually had their odometer checked for a claim? Sometimes I wonder how strict they really are about it...
Mileage caps are a pain, honestly. Most insurers will let you up your annual miles if you call, but they’ll probably bump your premium too. As for odometer checks, it’s not super common unless there’s a big claim or something seems off. I’ve seen a few cases where they asked for photos, but usually they’re not hunting you down for an extra Sunday drive. Just don’t go way over and you’re probably fine...
As for odometer checks, it’s not super common unless there’s a big claim or something seems off.
That matches what I’ve seen. Had a guy file a claim after a garage fire—insurer wanted three years of mileage records. He was sweating bullets over 600 extra miles. Most of the time, though, nobody’s counting unless there’s a reason. Just don’t treat the cap like a suggestion and you’ll probably avoid headaches.
I get where you’re coming from, but I’ve seen insurers get picky even without a “big claim.” Had a friend who went over his cap by just a couple hundred miles—nothing dramatic, just a few extra Sunday drives—and they still grilled him when he tried to add coverage.
Easier said than done if you actually enjoy driving your car. Sometimes I wonder if these mileage caps are just there to keep us paranoid...“Just don’t treat the cap like a suggestion and you’ll probably avoid headaches.”
Sometimes I wonder if these mileage caps are just there to keep us paranoid...
Honestly, it does feel like that sometimes. I had a “spirited” weekend road trip and spent the next month stressing about my odometer like it was a ticking time bomb. Is anyone actually able to stick to those limits without feeling like they're missing out on the whole point of owning a classic? Or do you just risk it and hope the insurance folks don’t notice?
