If you drive many miles each year, insurers may assess your premium using your estimated annual mileage, driving purpose, car, location and claims history. Give an accurate mileage estimate and explain whether journeys are for commuting, business or personal use, as using the wrong class of cover could affect a claim. Compare policies based on cover limits, excesses and exclusions as well as price, and consider whether a telematics or mileage-based policy suits your driving pattern. If your mileage changes significantly, tell your insurer and check how this could affect your policy.