Young drivers can get a really good deal on your car insurance from Hoot especially if you are unlikely to drive more than 6,000 miles per year. We calculate the cost of your motor cover on a base of 6,000 miles, but if you do need to drive more miles you can simply buy Top-Up Miles to keep your motor cover up to date.
Top-Up Miles for low mileage car insurance from Hoot
When calculating car insurance the more miles a driver does, the greater the risk of them being involved in a car accident and having to make a claim, so car insurance for genuine low mileage drivers should cost less because they are less of a risk.
Our clever little telematics device, known as a Clear Box, which is fitted inside your car when you take out a policy from Hoot, counts the miles as you drive and sends the details to your PC through your Customer Portal. Each time you make a journey the miles will be counted and you can clearly see how far you are driving. If you need more miles you can buy Top-Up Miles.
When you take out car insurance from Hoot, you start by purchasing 6,000 miles and the price of your premium is divided by those miles to give us your pence per mile rate. You can then buy Top-Up Miles in bundles of 250, 500 or 1,000 miles using that pence-per-mile rate, and you don't need to worry if you don't use all those miles because you can roll them over to the following year.
If you purchase 500 Top-Up Miles at the end of your year's policy and only use 250 miles, when you come to buy your car insurance at renewal from Hoot you will already have 250 miles worth of cover to add to your new base of 6,000 miles.