By miles Car Insurance Review

James Rodriguez James Rodriguez updated on July 7, 2022

This is the ultimate review to guide you through By miles car insurance.

You might already know that By miles offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is By miles the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail By miles car policy terms and conditions and given our own ratings based on different criteria.

4,1 Safe overall rating for By miles

Our ratingOur opinion
Customer service & satisfaction

Easy and effortless application process done online
High customer satisfaction rate on Trust Pilot and Review.io
Availability of live chat
Phone lines are closed during the weekend

Cover provided

Offers a Miles Tracker insurance.The less you drive, the less you pay
Windscreen cover is available as standard
Up to 90 days cover while traveling abroad
Unlimited legal protection cover
Wrong fuel and drainage
NCD protection as standard
Cover is fully comprehensive. There is no option for FT&TP and Third Party Only
No total loss courtesy car

Value for money

Cheaper premiums for drivers who don’t drive a lot
Availability of NCD
Free NCD protection
No renewal fee
High cancellation fee of £50

Financial strength for pay out

By Miles works with a panel of leading insurers in the UK such as AXA Insurance, La Parisienne Assurances and Tradewise Insurance Company Limited giving the company a high ability to pay out claims.

Technology

By Miles uses telematics to track the number of miles you drive. However, this is slightly different from black box insurance because they don’t actually track how well you drive but instead, how far you drive.
The Miles Tracker can track the location of your car in case of theft
User friendly website that is well organized
Availability of a live chat feature
Ability to apply online

Safe rating for By miles

Expert and customer reviews on By miles

We compiled expert and customer reviews from independent institutions, to give you an overall idea of By miles's reputation.

Review organisationConsumer satisfaction rates for By miles
Defaqto expert rating for By miles defaqto 4 stars 1
TrustPilot4,7/5 based on more than 1400 opinions
Consumer satisfaction rates on reviews for By miles

To check if By miles is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

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Our review on By miles car insurance policy

The comprehensive level of By miles has a lot to offer with high level of claim limit, low admin fees, no APR on monthly payments and affordable rates.
The company does not cover young drivers before 23.
By Miles offers a fully comprehensive telematics insurance policy especially good for people with lower mileage as you will pay your insurance by mile. It is the only insurance cover they offer along with 2 additional extras: RAC Breakdown Cover and Legal Expense Cover. It is different from a Black Box Insurance in that they only track the number of miles a driver covers instead of tracking factors such as speed, acceleration, braking and cornering that show how the driver drives.

Their insurance premium includes a fixed annual cost that is for when your car is parked and a monthly unique per-mile rate that you pay for every mile you drive in a month.

The By Miles insurance can be covered in 2 ways:

Standard- this is how it works:

  • You sign up for the policy and receive your fixed annual cost for when your car is parked and a unique per-mile rate that you pay monthly.
  • The company ships out a Miles Tracker to you which you then attach to your dashboard
  • The Miles Tracker is responsible for tracking the number of miles you drive every month.
  • To find out how many miles you’ve covered and the total cost, you can easily log into their online dashboard or use the By Miles app

Trackerless- this is where you have a connected car. A connected car is a vehicle that can communicate bidirectionally with a other systems inside and outside the car. This makes it able to share data and internet access.

  • With a connected car, you don’t need to install the Miles Tracker. All you need is to install the app and it will automatically connect to your car.

It comes with several benefits such as:

  • Protected No Claims Discount as standard
  • Daily mileage cost is stopped at 150 miles. You wont be charged extra if you drive more than 150 miles a day or more than 10,000 miles per year

The By Miles apps and online dashboard offer the following benefits:

  • Ability to find your car if you’ve parked at a massive parking space where you can’t easily find it or if it’s stolen
  • Car Medic feature- this feature scans and explains any warning light you get on your car dashboard
  • Helpful reminders about your MOT or car tax
  • Milleage estimate and cost calculator that can be used to estimate the amount of your monthly cost depending on the journey you’re planning to take.

This type of insurance is mostly suitable for:

  • People who don’t drive a lot
  • People who want to pay per mileage
  • People who want to track their insurance cost

The company won a lot of awards and has excellent customer reviews (4.7/5) on Trustpilot.

What does By miles car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at By miles?

Car insurance policyAvailable at By milesCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at By miles

Keep in mind that you can always add optional extras to your policy.

Main guarantees at By miles explained in details

Let's find out what does By miles covers in its car insurance policy.

Breakdown cover at By miles

By Miles has partnered with RAC Insurance Limited and RAC Motoring Services to provide you with 3 levels of Breakdown Cover:
RAC Roadside & Recovery
RAC for Roadside, Recovery, At Home and Onward Travel
RAC for Roadside, Recovery, At Home and Onward Travel (Includes cover in Europe).

Keycare cover at By miles

KeyCare Cover is not available as a policy upgrade but it is included as a standard in your cover.

Windscreen cover at By miles

  • Windscreen Cover as a policy upgrade is not available. It is included as a standard that comes with the insurance policy. It covers the repair or replacement of your windscreen, sunroof and windows as well as the repair of bodywork that may have been damaged by the broken glass.
  • Claims on windscreen cover will not affect NCD and is subject to excess.

Motor legal protection at By miles

By Miles has partnered with ARC Legal Assistance to offer Legal Expenses Policy Upgrade.

Personal policy injury available at By miles

Personal Injury Policy is available as a standard and covers up to £7500 if you, your spouse or civil partner is injured, lost a limb above the wrist or ankle, or total sight in one or both eyes.

Coverage abroad at By miles

Up to 90 days of the same level of cover you have in the UK will cover you to travel to EU countries as well as Andorra, Norway, Liechtenstein, Serbia, Switzerland, and Iceland.

No-Claim Bonus (NCB) at By miles

Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim or have a claim filed against you. No Claims Protection is included as a standard in your policy.

You can transfer your NCD from your previous insurer to By Miles provided that it has been valid for the past 12 months, issued by your name and is not currently in use by another vehicle.

If you’re involved in an accident that was your fault, your NCB will be affected. If the accident wasn’t your fault, your NCB will not be affected provided that By Miles is able to recover all costs from the responsible party.

Claims on the following will not affect your NCB:

  • Windscreen cover repair or replacement
  • Incident caused by an uninsured driver
  • Emergency treatment fees on road side in case of injury during an accident
  • Vandalism.

At By miles, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

Not Stated

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

How much does By miles car insurance cost?

You'll find below indicative car insurance quotes at By miles:

Drivers'ageMonthly premium
18 years old£100,51
40 years old £41,45
60 years old£30,56
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of By miles insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at By miles?

There is no specific discount apart from the No-Claim Bonus available at By Miles Insurance.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

By miles car insurance policy summarized

Guarantees

At By miles
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysNot stated
Personal belongings£500
Audio equipment

£1000

Medical expenses

£250

Liability limit for property damage£20,000,000
Legal expenseNot,stated
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair of your car.

Coverage abroad

90 days

Guarantees at By miles

Excess

At By miles
Fire excess£500 for personal belongings, £300 for wheelchair, child's pushchair, buggy or carrycot.
Theft excess£500 for personal belongings, £300 for wheelchair, child's pushchair, buggy or carrycot.
Accidental damage excessNot stated
Windscreen replacement excessExcess- Not stated
Limit- Not stated, limit of £150 if you choose to get your windscreen repaired at an unapproved repairer.
Young driver excess

Not Stated

Excess at By miles

Admin fees

At By miles
Interest charged by payment installments

Not stated

Renewal fees

£0

Cancellation fees

Cancellation fee after installation of Miles Tracker: £50

Modification fees

Up to 3 mid term adjsutments per year for free. Anymore changes might increase the price of your premium.

Admin fees at By miles

Other car insurance policies available at By miles

By miles black-box insurance

Even though By Miles uses telematics system in their insurance policy, they are very different from Black Box Insurance.

Instead of using a black box, they use a Miles Tracker that tracks the number of miles that you cover while driving. The By Miles insurance can be covered in 2 ways:

Standard- this is how it works:

  • You sign up for the policy and receive your fixed annual cost for when your car is parked and a unique per-mile rate that you pay monthly.
  • The company ships out a Miles Tracker to you which you then attach to your dashboard
  • The Miles Tracker is responsible for tracking the number of miles you drive every month.
  • To find out how many miles you’ve covered and the total cost, you can easily log into their online dashboard or use the By Miles app

Trackerless- this is where you have a connected car. A connected car is a vehicle that can communicate bidirectionally with a other systems inside and outside the car. This makes it able to share data and internet access.

  • With a connected car, you don’t need to install the Miles Tracker. All you need is to install the app and it will automatically connect to your car.

By miles business car insurance

Business Use Cover is included automatically but it also depends on the information you enter while applying for a quote. It is best to refer to your Certificate of Motor Insurance to find out if you can use your vehicle for business use. You can also contact By Miles to have it added in case you need it.

How to contact By miles auto insurance?

By miles phone numbers 

You will find all important phone numbers to contact By miles car insurance:

Contact numberOpening hours

Customer Service

0330 088 3838

Monday to Friday: 9am-6pm

Claims

0330 088 3838

Available 24/7

Contact numbers at By miles

By miles other contact details

You'll find below By miles main contact details:

Contact details of By miles
Email address

[email protected]

Customer account with By miles login

My account

Social mediaTwitter, Facebook, LinkedIn
ChatbotNo
Contact details at By miles

You can also contact them by mail by writing to By miles car insurance:

By Miles
2-14 Shortlands,
Hammersmith,
London W6 8DJ

How to cancel your car insurance at By miles?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, By miles as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, By miles has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

By miles could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.