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

I get the appeal of those pay-per-mile apps, but I’m with you—tech hiccups would stress me out. I did regular insurance for years and never once had anyone ask for an odometer pic, but when I looked into classic car insurance, it was a whole different ballgame. They wanted photos, paperwork, the works. I guess it makes sense if you’re getting a lower rate, but it’s definitely not as hands-off as some people expect.

One thing I wonder about is how people handle trips that go over their cap. Like, say you want to take your classic out for a road trip—do you just risk it and hope you don’t get caught, or is there a way to temporarily bump up your mileage limit? I’d hate to get dinged for something like that, especially if you’re only over by a few hundred miles. Anyone ever had to deal with that kind of situation?

Yeah, the paperwork for classic car insurance is a whole different beast. I totally get your stress about tech glitches too—nothing like worrying if an app’s going to mess up and cost you money. As for the mileage caps, that’s always been my biggest hesitation. I’ve heard some companies will let you call in and temporarily raise your limit if you’re planning a longer trip, but it’s usually gotta be before you hit the road, not after. They’ll probably want details and might charge a bit more for that month.

I wouldn’t risk just going over and hoping nobody notices. If something happens on your trip and you’re past your allowed miles, they could technically deny a claim. Not worth it for me—peace of mind is why I pay for insurance in the first place. It does take away some of the spontaneity, though. Sometimes I miss just hopping in the car and not thinking twice about it... but then again, those lower rates are tempting when you really don’t drive much most of the year.

I wouldn’t risk just going over and hoping nobody notices. If something happens on your trip and you’re past your allowed miles, they could technically deny a claim.

That’s my main concern too. The savings are nice, but I’d rather not gamble with coverage. I’ve found it helps to keep a logbook in the glovebox—old school, but it keeps me honest about mileage. The spontaneity is tough to give up, but for the price difference, I can live with planning ahead.

I get where you’re coming from. The peace of mind is worth a lot, especially with something as irreplaceable as a classic car. I’ve been in that spot where you’re tempted to just fudge the numbers a bit for a longer drive, but honestly, it’s not worth the risk. I’ve heard stories of claims being denied over mileage, and it’s never pretty—insurance companies will look for any reason to avoid paying out.

Keeping a logbook is a solid move. I use a notebook app on my phone now, but the glovebox log is tried and true. It does take some of the spontaneity out of things, but for me, knowing I’m covered if something happens outweighs the hassle. The savings on the premium are nice, but not if it means losing out on a claim when you really need it.

Planning ahead isn’t always fun, but it does make those drives feel a bit more special. There’s something about having to wait for the right day that makes it all the more enjoyable, at least in my experience.

Honestly, I get the whole “peace of mind” thing, but sometimes I wonder if the savings are really worth all the hassle.

The savings on the premium are nice, but not if it means losing out on a claim when you really need it.