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The extra miles only take effect if you hand the car back. If your car is worth more than the GFV, you never have to worry as you wouldnt just hand it back, you would trade in your equity, or buy it out and sell it to get your equity out that way.
If it's worth less than the GFV, you either pay your GFV, or hand it back and pay for the extra miles, which ever works out less.
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Car history:
116i Sport 5 door Crimson Red 2012 -
120i M-Sport 3 Door Le Mans Blue 2009 - 2012
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