'I'm in the UK and they've always asked how many miles I expect to drive during the policy.' The other year I put down 10K as rough estimate and after 4 months

'I'm in the UK and they've always asked how many miles I expect to drive during the policy.' The other year I put down 10K as rough estimate and after 4 months realized I'd already done 8K. Changing the policy to cover a more realistic 20K incurred an additional fee of something like £7. From this I reckoned mileage isn't a huge issue. Driving peak hours, as a risk factor, wouldn't surprise me at all given the general standard of driving by people who appear very anxious about being 30 seconds late to work.