By Miles Car Insurance

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What Is By Miles Car Insurance?

By Miles is an insurance provider in the UK that offers a unique car insurance model. It is perfect for drivers with low mileage. Instead of regular insurance plans, By Miles uses a pay-per-mile policy. This means you only pay for the miles you actually drive. This option is great for those who do not use their cars often. This includes people living in cities, those who work from home, or those who prefer public transport.

By Miles provides cheaper car insurance. They focus on how much you drive your car. This means they decide costs based on your actual mileage. Instead of a fixed price for endless driving, they only charge you for the miles you use.

How Does By Miles Car Insurance Work?

By Miles calculates motor insurance costs in a new way. They do not charge one big yearly fee. Instead, they split the cost into two parts. There is a set yearly fee and an extra charge based on your mileage each month. This means you only pay for how much you drive. For example, if you drive less in one month, your bill will be lower.

The Miles Tracker is a device that helps you know how many miles you drive. It works similar to the devices used in black box policies. The tracker connects to your car's diagnostics port to count the miles. All the mileage data goes to By Miles using an app on your smartphone. You can use this app to read about your driving habits and costs.

What Are the Benefits of By Miles Car Insurance?

By Miles offers several advantages for drivers:

  • Cheaper car insurance for low-mileage drivers: If you drive less than 7,000 miles a year, your car insurance premiums are lower. This works well for people who don’t drive much.
  • Flexible payment structure: Instead of paying a large amount up front, you pay a small fixed fee plus a varying amount each month. This amount is based on your actual mileage.
  • No curfews: Unlike some black box insurance policies, By Miles allows you to drive at any time of day without increasing your premium.
  • Fairer pricing: Your car insurance premiums are more closely connected to how much you drive, making this type of insurance easier to understand.
  • Extra features: The By Miles app has a “Find My Car” feature, breakdown cover, and real-time driving data to help track your usage.

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What Types of Policies Does By Miles Offer?

By Miles offers comprehensive cover as their main type of insurance. This means you are safe from damage to your own car and any harm to other people or their cars. Many think this is the best level of cover. It is a good choice for most drivers.

Their policies have extra choices that you can add, like:

  • Personal accident cover: This helps you if you get injured while driving.
  • Business car insurance: This is for those who use their car for work.
  • Breakdown cover: This offers help on the road if your car stops working.

What Is Covered Under By Miles Insurance?

By Miles comprehensive cover includes:

  • Accidental damage: This helps you pay for repairs or replacements if an accident occurs.
  • Third-party liability: This keeps you safe if you injure someone or damage their property.
  • Fire and theft: Your car is protected if there is damage or loss from fire or theft.
  • Personal belongings: This covers your items in the car if they are stolen or damaged.
  • Windscreen repair: This helps with repairs or replacement for your windscreen.

This makes By Miles a good option for people who want a reliable insurance provider. They offer flexible coverage that fits different needs.

How Do I Know if By Miles Is Right for Me?

If you’re wondering if By Miles is right for you, consider how you drive:

  • Low-mileage drivers: By Miles is great for people who drive less than 7,000 miles each year. If you mostly make short trips or drive far just sometimes, the pay-per-mile policy can help you save money.
  • Newer cars: The Miles Tracker works best with newer cars that have an OBD-II port.
  • First-time drivers: If you are a first-time driver wanting cheaper car insurance based on how much you drive, By Miles could be a smart choice.
Cost Savings Based on Mileage
By Miles vs Traditional Car Insurance Costs

How Does By Miles Compare to Traditional Car Insurance?

By Miles is not like regular car insurance in several key ways:

  • Cost of your insurance: With By Miles, you pay for what you actually drive. Traditional plans charge the same amount, no matter how far you go.
  • Technology: By Miles tracks your driving data using telematics. Many older insurance companies don't do this. So, your costs with By Miles depend on your mileage.
  • Driver suitability: By Miles works well for people who don't drive much. If you drive often or over long distances, traditional policies may be a better choice.

What Are the Key Features of By Miles?

  • By Miles offers easy and flexible car insurance options.
  • It lets you pay based on how much you drive.
  • The service is simple to use and set up.
  • You can adjust your plan to fit your needs.
  • The team is helpful and supportive for customers.
  • Pay-per-mile model: By Miles saves you money. You only pay for the miles you drive each month.
  • Miles Tracker: This black box connects to your car. It tracks your mileage without changing how your car works.
  • Monthly statement: Every month, you get a clear update of your costs using the By Miles app. This keeps you informed about what you pay and why.
  • Live chat support: By Miles offers a live chat for customer help. This lets you get fast assistance for any issues you face.

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Can I Get a No Claims Discount with By Miles?

Yes, just like regular motor insurance, By Miles offers a no-claims discount (NCD). This discount lowers your yearly cost but does not change the pay-per-mile fee. The longer you avoid making a claim, the more you can save on your fixed premium.

Does By Miles Offer European Coverage?

By Miles provides insurance for driving in Europe. However, it only covers a limited number of days each year, usually up to 90 days. This is perfect for vacations or short trips. The coverage is included with your comprehensive cover, so you don't need to purchase extra insurance for your trips in Europe.

How Is Mileage Tracked with By Miles?

Mileage is tracked by the Miles Tracker. This small device is similar to the ones used in black box insurance policies. You simply plug it into your car’s OBD-II port. It sends data to By Miles through a smartphone app. You can check your mileage, costs, and driving history immediately.

Can I Install the Miles Tracker Myself?

The Miles Tracker is easy to set up. You just connect it to your car’s OBD-II port. After that, it tracks your mileage automatically. You do not need help from a professional to install it, and it does not affect how your car runs.

Mileage Tracked with By Miles

What Happens If I Drive More Than Usual?

If you change the way you drive, for example, if you take a long trip or drive more every day, By Miles will update your rates. If you are driving often, it is smart to get a renewal quote from By Miles. You can also check this quote against other insurance companies. A regular policy might offer you a better price.

Can I Pause My By Miles Insurance?

By Miles does not allow you to pause your insurance. You still need to pay the yearly cost, even if you aren't driving. However, you won't pay for mileage if you don't drive. This is a great option for people who don’t use their car very often.

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How to Get a Quote from By Miles via Free Price Compare

If you want By Miles Insurance with By Miles, you can get a quote using Free Price Compare. Here's how to do it:

  1. Visit Free Price Compare: Go to the Free Price Compare website to see many insurance options, including By Miles. This service gathers quotes from several insurers. You can compare prices and coverage for a range of suppliers.
  2. Enter Your Details: Fill out the online form with important information, such as:
    • Your car’s make, model, and year.
    • Your driving history, including accidents or claims.
    • Your email and contact details for quick updates.
  3. Compare Levels of Cover: After you submit your information, Free Price Compare will give you several car insurance quotes, including those from By Miles. You can check different cover levels, like third-party, third-party fire and theft, and comprehensive cover. You can also add extras like breakdown cover.
  4. Review the Terms: Before you choose a policy, read the terms and conditions carefully. Make sure you understand key points like compulsory excess, how claims are handled, and policy exclusions.

5 FAQs About By Miles Car Insurance

Yes, By Miles lets you include business coverage in your policy if you need to drive for work.

No, By Miles has no fees for cancelling. You can cancel your policy anytime you want.

By Miles is great for drivers of all ages. It is a smart choice for people who do not drive often. They can find a good price on insurance here.

Miles has a device named the Miles Tracker. It is a black box that shows how much mileage you have.

Yes, By Miles has reviews on Trustpilot. Customers often talk about the good pricing and simple system.

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Page last updated on: 19/11/2024

Page reviewed by: Shay Ramani

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