Mileage caps are a pain, but honestly, they’re there for a reason. I blew past mine one year—thought I’d be fine, but when I had a fender bender, the insurance company got real interested in my odometer. Had to dig up every gas receipt and parking stub just to prove I wasn’t lying. Now I snap a pic of the dash every month. Takes five seconds, saves a ton of hassle if things go sideways. Overkill? Maybe, but it beats arguing with claims adjusters.
Honestly, I get why folks see mileage caps as a hassle, but they do serve a purpose. Thing is, it’s not just about catching people out—it’s about risk. The more you drive, the higher the chance something goes wrong. That said, snapping a pic every month feels a bit much to me. Most companies just want a yearly odometer check, unless there’s an accident or claim. Ever thought about talking to your insurer about more flexible mileage plans? Some will work with you if you’re upfront before you go over.
snapping a pic every month feels a bit much to me
Yeah, that’s overkill. I get the risk angle, but classic car folks aren’t usually racking up miles like daily commuters. I’ve pushed my cap a few times—just called the insurer, and they bumped it up for a small fee. Not ideal, but better than sweating every drive. Still think some of these rules are more about the company than actual risk, honestly.
Mileage caps can be a pain, but honestly, most classic car policies are built around the idea that these cars aren’t daily drivers. The monthly photo thing? Yeah, that’s a bit much—I’ve seen folks just keep a log and snap a pic at renewal time. If you’re bumping up against your cap, just call in like you did. It’s usually a quick fix, no need to stress every Sunday cruise. Some of these rules do feel more about paperwork than real-world risk, I’ll give you that.
Some of these rules do feel more about paperwork than real-world risk, I’ll give you that.
I get what you mean about the paperwork feeling a bit over the top. The monthly photo thing cracks me up—like, are they expecting us to set up a tripod and do a photoshoot with the odometer? I’ve always wondered, has anyone actually gotten dinged for going over by a couple hundred miles, or is it more of a “don’t abuse it” situation? I’m tempted to just keep my own log and hope for the best... but then again, my memory’s about as reliable as my old carburetor.
