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By Miles Car Insurance

Who are By Miles?

Read our guide to find out what type of car insurance cover By Miles offer.

By Mehdi Punjwani

Published: 26 May 2020

Happy couple in car

About By Miles

By Miles offers a form of pay-as-you-go car insurance, where you pay per mile you drive. The less you drive, the less you pay.

By Miles pay-as-you-go car insurance policies are designed for drivers who drive below 7,000 miles a year. According to 2017 MoT figures from the Department for Transport the average car in the UK drove 7,134 miles a year, so By Miles believes there are a lot of drivers that might benefit from fairer and more flexible pricing.

The pay-by-mile car insurance policies from By Miles are designed to help low mileage drivers save on their car insurance by only charging them based on the miles they actually drive, and not the miles they don’t.

Currently, By Miles car insurance policies are underwritten by a panel of insurers, including AXA Insurance UK and La Parisienne Assurances. By Miles is authorised and regulated by the Financial Conduct Authority (FCA).  

How does By Miles pay-per-mile car insurance work?

By Miles car insurance offers fully comprehensive cover to protect both your car and cars belonging to third parties. When you get a quote, you pay a fixed annual cost upfront to cover your car against theft, vandalism and accidental damage when it’s parked for the year. You’ll also be given a per-mile rate to cover your driving, which you’ll pay for the miles you drive each month - like a mobile phone bill.

Once you’ve bought a policy, By Miles will send you a matchbox sized Miles Tracker to plug into your car to keep count of the miles you drive, or for some newer cars the company can collect mileage directly from your car’s odometer. ou can keep track of the miles you’ve driven, and how much it will cost each month in the app or on the website.

It’s important to note that By Miles policies are ‘pay as you drive’ not ‘how you drive’, so they only use the distance you drive to price your insurance. That means they won’t use when or how you drive to change your insurance cost.

By Miles insurance policies can start as early as the next day.

Much like other car insurance policies, if you need to make a claim on your By Miles car insurance policy, you’ll pay a fixed excess fee when you claim.

The average annual mileage clocked up by a car in the UK is 7,134 miles

What does By Miles’ car insurance cover?

By Miles fully comprehensive car insurance offers the same level of cover as more traditional car insurance policies. Get cover for:

  • Your car: your car will be covered against damage caused by accidents, vandalism, fire, lightning, explosion, theft and attempted theft. Comprehensive cover is also included for driving in the EU for 90 days a year
  • Third-parties: third party cover for injury, death and property damage if your car causes an accident.

Optional levels of cover available at an added cost include:

Why choose By Miles?

  • High quality fully comprehensive coverage, rated ‘Excellent’ on TrustPilot
  • Keep track of your spending with the By Miles smartphone app and web dashboard, where each journey will show up as soon as you’ve parked up
  • Capped mileage discounts, so drive as much or as little as you like, but never pay for more than 150 miles each day, or 10,000 miles a year
  • Protection of your no claims discount is included with every By Miles policy as standard, so your no claims discount won’t go down if you do make a claim
  • UK-based support team available over phone, email and live chat to help you with any questions you have
  • Make up to three changes to your policy details a year with no admin fee, and pay a low fee to make any additional changes after that
  • The By Miles smartphone app features handy driving tools and reminders for your car, like ‘Find My Car’ which will help you find your car if you’ve forgotten where you’re parked (or if it’s been stolen)
  • Use the app’s diagnostic scanner, Car Medic, to help you figure out the cause of any car problems.

By Miles contact details

Phone: give By Miles a call on 0330 0883838 – lines are open from 9am – 6pm weekdays

Address: write to By Miles at By Miles, First floor, 2-14 Shortlands, Hammersmith, London. W6 8DJ

Comparing car insurance policies

By Miles is on our panel of insurers - compare the cost of its pay-as-you-go car insurance policies with standard fully comprehensive, third party and third party, fire and theft policies to help you find the best car insurance policy for you.

1According to data of anonymised MOT results from the Department for Transport published in 2019. Car aged less than three years are excluded from the data.

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