The idea behind pay-by-mile is simple.

If your car's just sitting there parked up, it stands to reason that you're less likely to have an accident. That means you're less likely to claim. So if you don't drive that much, you could be paying too much for your motor insurance.

With a pay-by-mile policy, you pay a fixed cost to cover your car while it's parked for the year, and we'll give you a per-mile rate of a matter of pennies to cover your driving.

After that, you just pay for the exact number of miles you've driven each month. A bit like a mobile phone bill.


Upfront fixed cost - You pay this at the start of the year to cover your car against theft, vandalism, fire and accidental damage while it's parked up.

Per-mile rate - You pay this for each mile you've driven at the end of each month, which covers you fully comp while you're driving.

Monthly insurance cost = Per-mile rate x Miles driven

We also have capped mileage discounts, as we cap your costs to help with those longer journeys. We'll never charge you for more than 150 miles in a day (drive further than that and the rest are on us). We'll never charge you for more than 10,000 miles a year either.

If you have any questions, get in touch with our team at or give us a ring on 0330 088 3838.

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