Limited & Low Mileage Car Insurance

Avoid generic car insurance and experience the benefits of a limited mileage policy from Keith Michaels. Our specialists will arrange a policy that's tailored to your occasional use situation, saving you money.
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Our team are here to help

92% of our customers get a cheaper quote over the phone

or call 0208 329 1150

trustpilotRated 4.6/5 on Trustpilot
“Fantastic company with great customer services”
Natalie Probert
“for over 20 years the service has been exceptional”
Justin Wells – AmWorld UK Limited

92% of our customers get a cheeper quote over the phone


Limited Mileage Car Insurance from Keith Michaels

At Keith Michaels we like to insure driving enthusiasts. If you use your vehicle infrequently and your car insurance does not take that into account, you’re missing out on the substantial savings a low mileage car insurance policy provides.

Whether you’ve moved closer to work or you only use your car once a year on an epic drive across the continent, we will tailor your limited mileage insurance to your needs. A low mileage insurance policy offers significant savings to all drivers regardless of age and experience.

The advantage of our approach is that we take into account your individual low mileage or occasional use situation, allowing us to move beyond the restrictions that mainstream insurers are limited to.

Whether it’s your primary car or a second car spending the bulk of its life between events, road trips and meets locked in the garage, we have a limited mileage insurance policy for you.

92% of our clients rate us as excellent and ★★★★★ on Trust Pilot

or call us on 0208 329 1150

The Keith Michaels Difference

  • 30 years’ experience
  • Every customer is treated as an individual, not a policy number
  • We are a UK-based office, not a call centre
  • We are completely independent from any insurance company
  • All policies are looked at on their own merits to find you the best policy available

Why Choose Keith Michaels for Limited Mileage Insurance?

Limited & Low Mileage Car Insurance

Direct Contacts

Fraser McKay
0208 329 1154

Limited & Low Mileage Car Insurance

Specialist Schemes

We have specific insurance schemes designed exclusively for car owners who cover limited mileage

Limited & Low Mileage Car Insurance

Discounts For

  • Limited mileage
  • Enhanced vehicle security
  • 2nd or 3rd cars
  • Owners clubs
  • Secure parking access
Limited & Low Mileage Car Insurance


  • Priority claims management
  • Like for like replacement
  • parts following a claim
  • Staff have over 30 years’ limited mileage experience
Limited & Low Mileage Car Insurance

Rated 4.6/5 on Trustpilot

“Fantastic company with
great customer services”

Natalie Probert

“for over 20 years the service has been exceptional.”

Justin Wells – AmWorld UK Limited

“Hands down the best
insurance broker”

Magdi El Masry

“Extremely happy


Get in Touch for your Limited Mileage Insurance Quote Today

Limited Mileage & Insurance FAQs

A low mileage insurance policy can significantly reduce your premiums and make driving more affordable. Opting for additional driver training and insuring your car as a classic are other easy ways to reduce your premiums. At Keith Michaels we are quick to reward fellow car enthusiasts.
In the UK, the average mileage is approximately 8000 miles per year. However, due to the dishonesty of many drivers claiming to do fewer miles than they actually do, most insurers expect drivers to drive more than they say, so they add extra miles to their policies by default. Luckily at Keith Michaels, we deal with policies on a case by case basis, so you can rest assured your policy is tailored specifically to your individual requirements. Just drive once a year? No problem.
Drivers of modified cars are all too often getting ripped off by mainstream insurers. Car enthusiasts deserve to be rewarded for the care, time and attention they place into the maintenance of their most treasured possession. At Keith Michaels we offer excellent deals on modified cars and if you qualify for limited mileage insurance, you are likely to make even further savings.
The average commute mounts up to over 3,000 miles during the course of a year. Finding ways to reduce your annual mileage on your first car can put you in good stead for considerable insurance savings. The easiest way to reduce your mileage is by walking and cycling shorter local trips, only using your car to make more substantial journeys. Check out our annual mileage calculator.
At Keith Michaels we specialise in insuring customers with more than one vehicle. Typically, your annual mileage on your second car will be less than that of your primary vehicle. What sets Keith Michaels apart from most insurers is that if you have accrued a no claims bonus on your first car, we can use this on your second car.
Classic car drivers are a dedicated bunch. As the saying goes “you never ‘own’ a classic car, you enjoy it, look after it, and pass it on for others to appreciate”. It’s a philosophy that we share at Keith Michaels, as dedicated enthusiasts our limited mileage policies are critical in keeping thousands of classic cars on the roads and their owners in pocket.

Check out some of our customers’ cars

Team Legacy’s Subaru Legacy

Gary’s Sierra RS Cosworth

Brian’s Volkswagen Golf

Philip’s Evo VI Tommi Makinen Edition

Keith’s Honda Civic

Gary’s Renault Clio 172

Subaru Impreza v5 Type R 2.1

Subaru Impreza WRX 08 Hatch

603BHP Subaru Impreza

Mitsubishi Evo 8

Volkswagen R32

Subaru Impreza STI Take 2

Subaru Impreza GB270

Nissan Skyline R33

Julian’s Subaru WRX RA