Smarter pay-by-mile cover, because a next-gen car deserves a next-gen policy.
It shouldn't take a whole lunch break to get a car insurance quote. We'll give you a basic idea of your price in under a minute.
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Become a By Miles member and you get much more than just an insurance policy.
Still want more information about how our insurance works? For more information about how our policies might be able to help you save money, click on some of the frequently asked questions below:
If you don't drive often, we like to think that the way we calculate insurance premiums is fairer and more cost-effective than traditional car insurance.
Our policies are designed to save you money if, like many people in the UK, you drive under 7,000 miles a year. The simplest way to find out if it could work for you is to get a quick quote. Answer a few simple questions and you'll get an estimate in less than a minute.
With us you pay a fixed yearly fee upfront to cover your car against theft, vandalism and accidental damage while it's parked. After that, it's pay as you go. Just pay for each mile you drive and you're billed for what youe used monthly.
If you don't drive much then traditional motor insurance might not offer you the best rate, and you could end up subsidising the cost of motor insurance for higher mileage drivers.
We believe our policies are fairer - we charge a simple upfront cost to cover your car while it's parked, after that we only charge you for the miles you drive. This means the less you drive, the less you pay.
Also, unlike traditional insurers, you can make up to three mid-term adjustments per year absolutely free of charge.
Taking out a policy is simple. When you get a new quote or a renewal quote, you'll see two parts to the cost:
When you get a quote, we'll show you your total estimated cost based on your estimated mileage for the year. This is just an idea of what you'll pay over the course of the year, as it's a flexible, pay-as-you-drive policy it depends on how much you drive.
When you take out a trackerless car insurance policy for your Tesla, it's really simple to get set up. All you need to do to get set up is log into our app or web dashboard, then you just log into your Tesla account to connect it with us and give us permission to view your mileage and GPS location.
Once you've connected your Tesla account with By Miles, we'll start collecting mileage data from your mileometer each night.
Once you've activated your policy, your daily miles will start to show up automatically in your app and web dashboard. You don't have to worry about doing it ever again!
Use the By Miles smartphone app or log into our web dashboard at dashboard.bymiles.co.uk. Depending on whether you've got a policy with a Miles Tracker or a totally trackerless one (for your connected car) you'll automatically be able to see your individual journey costs or daily mileage, and access handy tools and control free reminders for things like your MOT or car tax.
If your car's just sitting there parked up, it stands to reason that you're less likely to have an accident.
And if you don't drive that much, you could be paying too much for your motor insurance.
Pay-per-mile insurance (also known as pay-as-you go, pay-by-mile or usage based insurance) isn't for everyone, but if you drive under 7,000 miles a year then it could work for you.
Just visit our quote page to find out your fixed yearly fee to cover your car while it's parked up and the tailored per-mile rate you'll pay for each month for the miles you drive.
We'll show you a clear breakdown of the costs, including your estimated cost for the year (based on your estimated annual mileage).
Normal insurers find it difficult to track how much you drive and will often assume you'll drive more miles than you've told them.
You might tell your insurer you drive 5,000 miles rather than 10,000 miles, but that big difference can have little impact on the cost of your insurance.
At By Miles, we accurately track your mileage so if you drive less, you actually pay less.
We think a pay-by-mile policy is a fairer way to price motor insurance premiums. It can also work out much more cost effective as it gives drivers more control over their spending. The less you drive, the less you pay.
Your No Claims Bonus is precious, we get that. With every policy, we include protection of your NCD as standard. That means you'll never lose any years of No Claims, even if you make a claim with us.
There's no cap on your mileage and we know you may need to drive a longer trip every now and then. That's why your daily mileage costs are capped at 150 miles.
If you drive more than 150 miles in a day, that's just fine. We just won't charge you for your mileage if you drive more than that.
Likewise, we'll never charge you for more than 10,000 miles in a year either, no matter how far you drive over the 12 months you have your policy.
You'll be pleased to know that we do offer coverage for those summer holiday road trips.
You get the exact same cover as you do in the UK while you're abroad in any European Union country, as well as Iceland, Liechtenstein, Norway and Switzerland, for up to 90 days in any one 12-month period. After that, you'll only get the minimum compulsory insurance as required by EU law.
Defaqto is a well-known independent financial company specialising in scoring insurance products on the coverage they offer, and they gave our policies their second highest rating. That means the people at Defaqto think a By Miles policy offers good quality cover and a broad range of benefits. We'd tend to agree.
We're rated 'Excellent' on Trustpilot too.
By Miles is a 'telematics' car insurance policy, which means it uses data from your driving to help price your insurance. Sometimes people call that black box insurance. But By Miles works very differently to most other black box insurance policies out there.
Depending on the make and model of your car, we'll count the number of miles you drive in one of two ways. The first option is using something called a Miles Tracker which you plug into your car. The second option (if you have a newer car) is that we go totally trackerless and take the information direct from your car's mileometer.
Our Miles Tracker is a little black box the size of a matchbox. We use it to calculate how many miles you drive and work out the cost of each journey.
If you've got a trackerless policy, you just give your car's manufacturer permission to start sending information about your mileage to us automatically. No need to plug anything in at all.
Our policies are different to many "black box" insurance policies out there.
It entirely depends on whether or not you've got a compatible car. You can find out if your car is compatible by getting a quick quote with your registration number. If your car's make and model is compatible, you'll see a toggle that allows you to switch between a Miles Tracker and trackerless policy.
If you've already got a compatible car and are using a Miles Tracker with us at the moment, just get in touch with us using the live chat in your app, or by calling 0330 088 3838. We'll be able to get you switched over.
There are plenty of options for getting a pay-as-you-drive car insurance policy with By Miles - even if you don't have a Tesla.
We can't offer trackerless car insurance policies for every make and model of car, even if it's a newer one and is connected to the internet, but our Miles Tracker is compatible with most cars manufactured since 2002. But we're adding compatibility for new makes all the time.
If your car is compatible with our trackerless policies, we'll give you the option on the quote page when you complete a quote with us. If not, we'll give you the option of a Miles Tracker that you can plug in.
The best thing to do is start off by getting a quote and find out.
By Miles car insurance policies are all about the miles you drive, and we either use your car's mileometer readings or use our Miles Tracker telematics device to measure the miles you drive. It's important to note that we price your car insurance premiums on how far you drive, not how well.
While we'd always encourage motorists to drive safely, responsibly and within the speed limit, we don't change your premium based on the way you drive, where you drive, when you drive, or the speed you drive at. We only use the information you give us when you start your policy and the miles you travel to work out your car insurance premiums.
Your driving data is safe and secure with us, too. We use information from you connected car or the Miles Tracker to manage your insurance policy and better understand how and when accidents occur, but we'll never share it with anyone else without your permission. We'll never share any information about your driving with the police either, unless we're specifically asked to as a result of a court order.
Not at all. We built the By Miles smartphone app to offer you a range of handy driving tools and help you easily keep track of your journeys so you can see how many miles you've driven and the cost of each trip.
At the same time though, you don't need to use our car insurance app to be insured.
If you don't have a smartphone, you can use our web dashboard instead — and if you don't want to use the app or website, that's fine too.
Whether you're using a Miles Tracker or you're on a trackerless policy, we measure your mileage automatically and it works totally independently of the app and website. We email you a monthly statement to let you know how much you've spent anyway.
Our user-friendly smartphone app offers more than just your journey history. We've added a range of free tools and reminders that can help you save time and money, including:
Find my car – Use the app to help find your car if you've forgotten where you've parked in a massive airport car park (if your car is stolen, it can help us track it down too)
Car medic – If you've got a warning light on your dashboard, you can use the app to scan your car for codes related to the engine, battery or other mechanical issues. Car medic helps to translate your engine codes into plain English.
Handy reminders – Get reminders for your MOT or car tax from our team, with automatic reminders soon to arrive in the app.
Journey estimate and petrol calculator – Work out the likely cost of your motor insurance for a journey before you drive it, and calculate the cost of petrol for the trip too.
Please note: Depending on whether you're on a trackerless or Miles Tracker policy, we can't always offer all of the tools above - it totally depends on the make and model of your car.
Click here for a free, no obligation quick quote. We like to think we've made it as easy as we possibly can. Just answer a few simple questions and we'll give you an instant estimate for a pay-per-mile policy.
If the numbers look like they'll work for you, you can go ahead and get a full quote in a matter of minutes. Don't forget to enter your information accurately and honestly or the quote you see might not be valid.
Yes. With By Miles every policy you have fully comp cover at all times. That means when you take out a policy, and subject to any excess, you'll get cover included for:
With By Miles, you pay your premiums for your driving on a monthly basis.
However, at the start of your annual policy, you still need to pay an upfront fee for the year to cover your car while it's parked.
At the moment we don't offer the option of paying the annual fee on a monthly basis, as we're not keen on adding hefty interest payments like many other insurers do.
After you start your policy, you just pay monthly premiums, based only on the number of miles you've driven. So if you don't drive, you won't pay a penny more — a bit like a pay-as-you-go phone bill.