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.

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When is it a good idea to purchase mileage-based insurance?
How much does per-kilometer insurance cost?
Mileage-based insurance isn't always the best deal
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When is mileage insurance wise?

In some cases, taking out mileage-based insurance can be beneficial. Our advice here is: make sure you can assess your driving habits. Why is “can” in bold? When you’ve just recently purchased a car, it’s often very difficult to determine exactly how many miles you’ll drive per year. Have you owned a car for a long time? Is your driving style pretty much always the same? Then a mileage-based insurance policy might be an option for you.

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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 think you will 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!

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To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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