6000 and driveway. Two reasons to make it more pricey

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I have spoken to several insurance brokers about this very thing in the recent past.
Bizarrely neither of the above is true anymore.
Apparently having a low limited mileage policy puts your premium
UP. So does garaging your car over keeping it on the driveway. The reasons I was given was that a garaged car is much more likely to be damaged (in the garage) than a car on a driveway. And the mileage thinking is that those who drive very little are much more likely to have a fault accident because people get out of the habit of driving safely (ie they forget how to drive).
All sounds a bit 'iffy' to me but that is what I was told. 4-5000 miles per year is the 'sweet spot' for mileage apparently.