Annual cover
Annual insurance that uses expected mileage as one pricing input.
Explore this category →Pricing, measurement and channel.
How you pay
Pay-per-mile describes usage billing. Limited mileage describes an agreed allowance. A mileage-verified annual policy is not automatically billed by the mile.
How mileage is checked
Declaration, odometer evidence, an installed device and manufacturer-connected data are different methods. An absence of a driving score does not establish an absence of data collection.
Where you research or buy
A broker may distribute one insurer’s main policy or work with a wider panel. A comparison service is a channel, not itself the insurer taking the risk.
Two examples from this research.
Jurny’s reviewed pages describe a monthly charge and mileage rate, using a JURNYmeter. VectorDrive’s reviewed documents instead describe annual insurance with connected mileage verification, and name one main-policy insurer. The profiles show sources and unresolved points.
There is no universal “low mileage” cut-off.
Use a provider’s own published terms for its limits and eligibility. The category labels here do not mean that an insurer will accept your mileage, vehicle or circumstances, or that one charging model will be cheaper.
Read the pay-per-mile and limited-mileage guide, annual-cover explanation and mileage measurement guide. The mileage estimating guide includes a worked example; the three private mileage and cost worksheets are now available from Tools.