Specialist Car Insurance
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By Miles Car Insurance
By Miles is a new kind of car insurer that is particularly designed for drivers with low mileage. Rather than charging one sum for the year/month like most standard insurers, By Miles offers a policy that drivers pay for by the mile. The origins of By Miles can be traced back to 2016, but they only started selling insurance in 2018. Their policies are underwritten by insurers such as AXA and Tradewise, and they come with comprehensive cover to provide drivers with extensive levels of protection.
Drivers who take out a By Miles car insurance policy will pay a fixed annual cost to cover the car when it is not in use, and then pay for the miles they drive each month. The number of miles driven will be recorded by a device called a Miles Tracker or, for newer cars, drivers can connect the milometer to the By Miles app so they are only charged for the journeys they make. Drivers can see the exact cost of their driving each day in the app.
Comprehensive policies are the only kind of policies available from By Miles, so all customers will receive cover for third party damage, fire, theft, and accidental damage. Their policies also include windscreen cover, medical costs, use of a courtesy car, misfuel cover, car contents cover (including car seats), personal accident cover, uninsured driver cover, use of a courtesy car, and new car replacement for cars under 12 months old. Policyholders may also have cover to drive abroad. Social, domestic, and pleasure use is covered on every policy and, because the cost of the policy is calculated by mile, commuting and business use can be automatically included in the cover as standard (if the driver meets eligibility requirements).
By Miles policyholders can add some extras to their insurance, including legal cover and a choice of 3 levels of breakdown cover.
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