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Gonzo42's avatar
Gonzo42
Explorer
Jul 30, 2014

Going over the Insurance Mileage Limit...?

We are now approaching the one year mark on our first RV. Our insurance was predicated on driving 3000 miles or less a year.

1. Is there some bad penalty for exceeding that?

2. Is buying a policy with a larger mileage limit worthwhile?

3. Do I have to report our mileage?
  • Never heard of this either.
    What is the insurance carrier?
    How much is the insurance at each step up?
  • JIMNLIN wrote:
    I've had three truck campers and One TT and three 5th wheel trailer and over a dozen GN equipment trailers and never heard of a insurance mileage limit. Guess I learned something new.


    if you haven't asked, insurance co probably didn't give you a choice, and made it unlimited. On on my roadster, I have a 5,000 mile/yr limit of my choosing. saves a significant $$$ on the policy, and since it usually only gets driven 3,000 miles/year, ok. Saved money when DW and I retired when I told insurance co the mileage to/from work =0.

    With our insurance co, I can get reduced rates at 7500 mile/yr or less or 5,000 miles/yr or less. But only 1 of my 3 vehicles gets less than 7500/yr.

    And they ask every few years for me to fill out a form with mileage. So they can check and make sure I'm complying.
  • Why don't you just call the company and ask?
    You are their customer.
  • I've had three truck campers and One TT and three 5th wheel trailer and over a dozen GN equipment trailers and never heard of a insurance mileage limit. Guess I learned something new.
  • It all depends the insurance carrier that you have..

    Sorry that is not much help but if we knew that we may be able to give some valid answers.

    I have AAA it starts at 5000 miles or less

    #1 Is there some bad penalty for exceeding that? not much

    #3 Is buying a policy with a larger mileage limit worthwhile? not offered

    #3 . Do I have to report our mileage? AAA yes

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