If you go over your annual mileage on insurance, you need to contact us straightaway. The same applies if you think you will go over your annual mileage on your insurance policy.

What is estimated annual mileage on insurance?

The mileage on your policy is the number of miles you estimate you’ll drive in a year. It helps us calculate your price, because higher mileage generally means higher risk.

Why does mileage matter?

When you buy your policy, we ask for your estimated annual mileage. This number affects your insurance price, because:

  • Driving more miles increases the likelihood of an accident.
  • Your quote is based on the details you give — including how much you drive.

What happens if you do more miles than your insurance allows?

If you go over your mileage and don’t update your policy:

  • Your cover may not match your actual driving habits.
  • If you make a claim, we’ll check your mileage.
  • If the mileage is significantly higher than declared, your claim could be reduced or rejected.

How to stay covered

To avoid issues:

  • Try to give a realistic estimate when setting up your policy.
  • If your driving habits change, update your mileage in the Marshmallow app.

How to update your mileage in the Marshmallow app

Follow these steps to update your annual mileage:

  • Open the Marshmallow app and tap on Your policy.
  • At the top of the screen, tap Update details.
  • Scroll down and select Manage your vehicle.
  • Next to Usage & Mileage, tap Edit.
  • On the next screen, choose the usage type that best describes your driving.
  • Tap Continue at the bottom of the screen.
  • Select your updated Annual Mileage from the list.

Once confirmed, your new policy documents will be available in your app.

Things to keep in mind

  • Admin fee: If you are on the Lightest or Essential plan, there will be a £25 admin fee for this change.
  • Impact on price: Mileage is one of the factors that can affect your premium. Increasing or decreasing your mileage may change your monthly or annual cost.
  • Renewal timing: Changes can’t be made on the day before or the morning of your renewal date. If you’re within 14 days of renewal, any change that affects your premium will also update your renewal price.

Example

If you originally set your annual mileage at 5,000 miles, but you now expect to drive closer to 8,000 miles, you should update this in the app. Your premium may increase slightly to reflect the extra driving.