If you only drive occasionally, regular car insurance may not represent the best value for money. By Miles is a car insurance provider offering pay-as-you-go insurance, so instead of a flat rate, you pay based on how much you drive.
Who is By Miles?
By Miles is a British insurance company providing pay-as-you-go car insurance aimed at those who don’t drive regularly.
What are By Miles’ cover options?
Unlike other providers, By Miles only offers comprehensive car insurance, and does not offer policies for third party only (TPO) or third party, fire and theft (TPFT). According to By Miles, this is because third party only cover can actually increase the cost of insurance, but it also means drivers may be able to find cheaper basic insurance elsewhere.
How does By Miles pay-as-you-go insurance work?
By Miles car insurance is a comprehensive pay-per-mile policy, which means your insurance premiums are calculated based on the total number of miles you drive during the insurance period. You’ll still need to pay a fixed annual premium, which covers you against any theft or accidental damage, but this will likely be lower than a regular comprehensive insurance premium.
After you’ve bought your policy, By Miles will send you a telematics box, known as a Miles Tracker, which you’ll need to attach to your car. This device measures the number of miles you drive, which can be tracked online or via the By Miles app. You’ll then pay a premium based on how far you drive.
Unlike other types of black box insurance, By Miles does not track your overall driving performance, and your premiums will not be determined by how well you drive.
What’s covered under my policy?
|Liability to other people||✓|
|Fire and theft||✓|
By Miles only offers comprehensive insurance, and so there’s no option to get basic third party or third party, fire and theft cover.
You can choose to add legal expenses cover and breakdown cover to your policy, but also get no claims discount protection included.
- You use the vehicle inappropriately.
- The vehicle is driven by an unlicensed or uninsured driver.
- You provided incorrect or misleading information in your application.
- You fail to make your premium payments.
- You tamper with the tracker or use it incorrectly.
If your Miles Tracker is unplugged, you’ll automatically be charged at a rate of 150 miles per day, regardless of how much you actually drive that day. Your policy may also be cancelled if you leave the Miles Tracker unplugged for 14 days.
How do I make a claim?
In order to make a claim, you’ll need to call the By Miles claims line on 0330 088 3838, which is open 24 hours a day, all year round.
You’ll need to provide details of the incident, including registration number and contact details of the other party, any witnesses or injuries, as well as photos of the incident if possible.
By Miles insurance pros and cons
- 24-hour claims helpline
- Free no claim discount protection
- Voluntary excess option
Read more on this topic
Cheapest car insurance in the UK Good car insurance doesn't have to be expensive. Compare cheap car insurance quotes to start saving today.
John Lewis Finance car insurance review Find out the key details about John Lewis Finance car insurance in our review and compare quotes to get the right deal for you and your car.
InsureLearnerDriver discount codes You can save on expensive car insurance using our InsureLearnerDriver discount codes and vouchers.
Voided and cancelled car insurance Read our guide to understand why honesty is always the best policy to avoid your car insurance being voided or cancelled.
How car modifications affect insurance Before you pimp your ride, find out which modifications are likely to increase your insurance premiums and which ones will see your car cover fall.
Tax free cars Thinking about buying a new car? Read our guide first as you may find a way to avoid paying road tax altogether and save on your car insurance.
Specialist car insurance Read our guide to discover all the different types of specialist car insurance and find out if you can save on your car cover.
Why is car insurance so expensive? Find out how to cut the cost of your car insurance without cutting any cover.
Instant car insurance See how you can get immediate cover and compare instant car insurance quotes now.
Cheap car insurance for new drivers over 30 See how car insurance works if you're over 30, and ways you can save as a new driver.
Ask an Expert