What is mileage insurance?
There are many different options when it comes to getting car insurance. Consider limited hull insurance or All-risk insurance, for example. The mutual conditions of the insurance affect the premium. So does mileage insurance. After all, what exactly is this?
For convenience, let's take a little trip to subscriptions for gas and electricity. In advance, you usually estimate your consumption, and based on that, you pay a monthly fee. Do you consume more? Then you pay more at the end of the year. Do you use less? Then you will receive money back. Broadly speaking, mileage insurance is similar to this very recognizable situation.
- You estimate how many miles you will drive in a year;
- the premium is calculated based on your estimate;
- at the end of the year, the final account is made.
So with mileage insurance, you are insured based on the miles you drive.
When is mileage insurance wise?
Taking out mileage insurance can be beneficial in some cases. Our tip in this is: make sure you can do an analysis based on your driving habits. Why "can" in bold? When you have only just owned a car, it is often very difficult to determine exactly how many miles you will drive per year. Have you had a car for a very long time? Is your driving pattern almost always the same? Then mileage insurance may be an option for you.
What does km insurance cost?
As mentioned, mileage insurance is calculated based on your estimate. This means that the premium will vary from case to case. Obviously, a premium will be lower if you expect to drive fewer kilometers. However, always pay close attention to the policy conditions: you may pay extra if you exceed the estimate.
Mileage insurance not always advantageous...
Taking out mileage insurance is not necessarily advantageous. First, because making a good estimate is not for many people. In addition, you may feel restricted by mileage insurance. Spontaneously taking a vacation by car? It may be disadvantageous, based on the policy terms. So think carefully about taking out mileage insurance. It should actually fit with a consistent line in your driving habits.
Get good car insurance at Alpina
Are you interested in a different kind of car insurance? There are several ways to get car insurance with Alpina. Although we cannot offer you mileage insurance, we do offer many other benefits related to insuring your car. Do you still have questions? Then don't hesitate to contact us!
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here today until 6 p.m.