Category: Insurtech · Reviewed by Jake Leat, Associate Director · Last reviewed 2026-06-05
By Miles is a UK pay-per-mile motor insurance intermediary, founded in 2017 by James Blackham. It offers UK motorists a usage-based insurance product where premium is split between a fixed monthly fee covering the vehicle while parked and a per-mile charge for driving, measured through a connected device. The product is underwritten through partnership arrangements with UK-authorised insurers.
Category: Insurtech Also known as: By Miles Limited, By Miles UK Established: 2017 Related concepts: Insurtech, Usage-based insurance, Telematics insurance
By Miles’ product proposition is pay-per-mile motor insurance: a fixed monthly fee (covering the vehicle while parked, theft, fire, and a portion of the working risk) plus a per-mile charge for actual miles driven, measured by a connected device fitted to the OBD-II port of the vehicle. The product is principally targeted at low-mileage motorists (under 7,000 miles per annum) for whom traditional fixed-annual-premium motor insurance is poor value.
By Miles Limited is incorporated in England and Wales and is FCA-authorised as an insurance intermediary. Underwriting partnerships have evolved over time; current arrangements should be verified through the FCA Register (https://register.fca.org.uk). The connected device data processing is subject to UK GDPR, and the use of mileage data in pricing is subject to ICOBS, PROD 4, Consumer Duty and (where automated decision-making is involved) UK GDPR Article 22 safeguards.
The corporate status and underwriting arrangements of By Miles have changed materially since the product’s launch — readers should consult Companies House and FCA Register for the current position.
A typical By Miles customer fits the supplied dongle to the OBD-II port (or has a smartphone-based variant in some configurations), agrees a fixed monthly premium for the parked-vehicle and base cover, and is charged a per-mile rate (varying by risk classification — typically 3-10p per mile for a standard private car) for actual usage. Bills are produced monthly with itemised mileage. The app provides journey logs, vehicle theft tracking, and customer service.
By Miles has from time to time offered annual-mileage capped products, business-use variants, and partnerships with vehicle financing and leasing firms. The dongle-based variant is the principal product; the OEM connected-car variant is an evolving alternative.
A retired motorist driving 4,000 miles per year: traditional motor insurance might quote £450; By Miles might quote £200 (fixed monthly costs) plus £40 per 1,000 miles, producing approximately £360 — a substantial saving for the genuinely low-mileage driver, with the mileage charge providing the variable cost transparency.
This entry is part of the Apex Insurance Wiki. Last reviewed by Matt Bartlett on 2026-06-05. Next review: 2026-12-05.
Apex Insurance Brokers Limited. Authorised and regulated by the Financial Conduct Authority, FRN 724952. Registered in England and Wales, Companies House 07014570. This entry provides general information about UK insurance concepts and is not regulated advice. Consult your insurance broker on your specific position.
Apex Insurance Brokers serves UK professional services firms and commercial businesses. Call 0117 325 0027, email hello@apexinsurancebrokers.co.uk, or request a quotation.
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