By Miles car insurance review

As the name suggests, By Miles insurance offers car insurance that you can pay-per-mile.

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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?

Cover benefitsComprehensive
Liability to other people
Fire and theft
Accidental damage

By Miles only offers comprehensive insurance, and so there’s no option to get basic third party or third party, fire and theft cover.

Optional extras

You can choose to add legal expenses cover and breakdown cover to your policy, but also get no claims discount protection included.

Exclusions

  • 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

Pros

  • 24-hour claims helpline
  • Free no claim discount protection
  • Voluntary excess option

Cons

  • No basic cover options
  • Only offers pay-per-mile insurance
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*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.

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