Accurately estimate your annual mileage, as understating it could affect a claim and may invalidate or restrict cover. Compare quotes from several FCA-authorised insurers, checking whether comprehensive cover, a suitable excess and business or commuting use are included. Telematics policies, pay-per-mile options and restricting cover to named drivers may reduce the price for some high-mileage motorists, although terms and availability vary. Keeping your driving record and vehicle details up to date can also help insurers assess the risk fairly. Always check the policy wording rather than choosing solely on the cheapest premium.