By Miles Car Insurance Review
By Miles revolutionizes car insurance with true pay-per-mile coverage. Their unique approach benefits low mileage drivers with fair, usage-based pricing.
Company & Policy Details
Company Information
Established
2017
Underwritten by
U K Insurance Ltd
Market Position
Customer Service Hours
Mon–Fri: 8am–6pm
Ratings & Performance
Claims Satisfaction
Financial Strength
A
Mobile App
Policy Features
No Claims Discount Protection
Up to 3 years
Telematics Option
Available
Multi-Car Discount
Not available
New for Old Replacement
Vehicles up to 1 year old
Uninsured Driver Promise
Included
Paperless Discount
Available
Key Benefits
- Pay-per-mile pricing
- Fixed monthly fee plus mileage
- Real-time mileage tracking
Available Features
Customer Service
Premium Range
From
£210.00
Average
£290.00
Cover Types
- Comprehensive
- Third Party Fire & Theft
- Third Party Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
33.3%
Frequently Asked Questions
How is the premium calculated?
You pay a fixed monthly fee to cover your parked car, plus a per-mile rate for driving.
What if I drive more than expected?
Theres no penalty for driving more - you simply pay for the miles you drive.
How is mileage tracked?
We use a small plug-in device to track mileage accurately and securely.
What about parked coverage?
The fixed fee provides comprehensive coverage while your car is parked.
In-Depth Provider Analysis
Expert Analysis: By Miles Car Insurance
By Miles is a UK pay-per-mile car insurance provider aimed at low-mileage drivers who want to save on premiums. With a small fixed monthly fee and per-mile charges based on driving, it offers complete transparency and usage-based fairness. A connected Miles Tracker plugs into the vehicle, recording mileage for billing and offering additional driving data insights.
Professional Editorial Review
By Miles rewrites the rules for infrequent drivers. If your car spends more time parked than moving, this policy could save you hundreds.
Market Position
Innovator in the usage-based insurance space.
Pricing Strategy
Usage-Based – Pricing scales with miles driven, plus a fixed monthly fee.
Who Should Consider By Miles? A Detailed Analysis
Low-mileage drivers, city dwellers, and part-time commuters who want insurance aligned with actual use.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Perfectly tailored for low-use drivers
Transparent pricing and monthly summaries
Excellent app experience with additional vehicle data
Encourages mindful driving
Rated highly for customer support
Important Considerations
Not ideal for high-mileage drivers
Requires installing a hardware tracker
Limited options for non-standard vehicles
Pricing may fluctuate depending on driving patterns
What Makes By Miles Stand Out
Pay-per-mile insurance with real-time billing
Free mobile app with driving insights
Device connects to your car’s OBD-II port
Charges only when you drive – ideal for infrequent use
Backed by leading UK underwriters
Claims Process Analysis
Claims are initiated through the app or web, with support from their underwriter. Process is considered user-friendly, with average resolution times.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Support is UK-based and available via chat, email, and phone. Generally rated highly for clear responses and helpful advice.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how By Miles fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether By Miles's approach aligns with your needs.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
Young Driver Premium Increase
+127%
Source: Confused.com Price Index
Percentage of Drivers Switching Insurers in 2024
39%
Source: GoCompare Switching Trends Survey
UK Car Insurance Market Size
31 million policies
Source: Statista UK Insurance Report
Average UK Car Insurance Premium 2024
£694
Source: Association of British Insurers
Average Cost of Car Insurance Fraud Per Case
£1,150
Source: Insurance Fraud Bureau, 2024
Customer Satisfaction Average
72%
Source: Consumer Intelligence
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
These market statistics help put By Miles's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a qualified insurance professional with over 8 years of experience in the UK insurance market. She specializes in motor insurance analysis and consumer advocacy.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 10/15/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About By Miles
How does By Miles compare to other budget insurers in terms of value for money?
By Miles positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from By Miles's claims process?
Claims are initiated through the app or web, with support from their underwriter. Process is considered user-friendly, with average resolution times. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is By Miles suitable for young or inexperienced drivers?
By Miles can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is By Miles for long-term coverage?
By Miles has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like By Miles work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofBy Miles's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from By Miles for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with By Miles
How to Get Coverage
- Visit By Miles's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact By Miles directly for the most accurate and up-to-date quotes for your specific situation.