Frequently Asked Questions

VectorDrive uses your vehicle's built-in connected services (like MyChevrolet, FordPass, or MyToyota) to automatically verify your actual mileage. Instead of estimating how much you drive, we use real data to calculate your premium. Drive less, pay less – it's that simple.

The process is completely automatic once you grant permission during signup. No devices to install, no manual reporting required.

We support most vehicles from 2018 onwards that have connected services, including:

• Ford: FordPass Connect
• Chevrolet: MyChevrolet app
• Toyota: MyToyota app
• BMW: My BMW app
• Mercedes: Mercedes me connect
• Volkswagen: We Connect
• Tesla: Tesla mobile app

Enter your vehicle details in our quote tool to check compatibility instantly.

No problem! We offer alternative verification methods including:

• Annual MOT certificate review
• Service history documentation
• Odometer photo uploads through our mobile app
• Optional plug-in device (free of charge)

While these methods require slightly more involvement, you'll still benefit from our low-mileage savings.

We only collect mileage data – nothing more. We do not track:

• Your location or where you drive
• How you drive (speed, acceleration, braking)
• When you drive
• Your routes or destinations

Security: All data is encrypted using bank-level security, stored in UK-based servers, and never sold to third parties. We're ISO 27001 certified and SOC 2 compliant.

Absolutely. You can revoke our access to your vehicle's data at any time through:

• Your VectorDrive customer dashboard
• Your vehicle's mobile app settings
• Contacting our customer service team

If you revoke access, we'll work with you to find alternative verification methods to maintain your low-mileage savings.

Savings depend on how much less you drive compared to average drivers. Our customers typically save:

• Under 5,000 miles/year: 25-35% savings
• 5,000-8,000 miles/year: 15-25% savings
• 8,000-10,000 miles/year: 10-15% savings

The average UK driver covers 12,000 miles annually. If you drive significantly less, you could save hundreds of pounds per year.

Your premium adjusts based on actual mileage, but we include built-in flexibility:

• Up to 1,000 miles over your estimate with no penalty
• Gradual premium adjustments for higher mileage
• Monthly notifications if you're approaching limits
• Option to pre-purchase additional miles at discounted rates

We'll never cancel your policy due to higher mileage – we'll simply adjust your premium fairly.

Yes! Beyond mileage-based savings, we offer:

• Multi-vehicle discount: 10% off additional vehicles
• Electric/hybrid bonus: Extra 5% discount
• Advanced safety features: Up to 15% off
• No-claims bonus protection: Standard coverage
• Annual payment discount: 5% off

Making a claim is simple:

1. Report immediately: Call 0800 123 4567 (24/7 hotline)
2. Use our app: Submit photos and details instantly
3. Online portal: Track progress in your dashboard

Most claims are processed within 48 hours, with many straightforward cases approved automatically using our AI system.

Yes, in several ways:

• Fraud prevention: Accurate mileage data helps verify claim legitimacy
• Faster processing: Less documentation needed for established low-mileage drivers
• Favorable assessment: Low-mileage drivers statistically have fewer at-fault claims

Your connected car data provides valuable context that can support your claim.

Mileage data is typically updated:

• Connected vehicles: Weekly automatic updates
• Manual methods: Monthly or quarterly submissions
• Policy renewal: Full verification annually

You can view your current mileage status anytime in your customer dashboard.

If there's a technical issue with your vehicle's connected services:

• We'll automatically switch to alternative verification methods
• Your policy and savings remain unaffected
• We'll help troubleshoot connectivity issues
• Manual verification options are always available

We never penalize customers for technical issues beyond their control.

Our intelligent quote system provides instant estimates in under 2 minutes. For connected vehicles, we can often access your current mileage immediately to give you the most accurate pricing.

Final policy setup typically takes 5-10 minutes once you've decided to proceed.

Yes! We'll help you calculate if switching makes financial sense, considering:

• Your current insurer's cancellation fees
• Potential refund from unused premium
• Immediate savings with VectorDrive

Many customers save enough to offset switching costs within the first few months.