Regarding the mileage question - I think it would be very unwise to be less than honest. The insurer could check your current mileage if you were involved in a claim. They could also check historical details from service / MoT records. Is it worth risking them refusing to pay out on a claim?
If you get a quote online its pretty easy to play around with different permutations of annual mileage. I did this a while ago - I don't remember the details but I don't think it made a huge difference to the premium in my case.
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