Urban streets · evening · car
Measure how much people drive. Then price the risk.
Miles travelled measure how much driving is insured; the risk of each mile still varies.
The executive takeaway
Mileage improves exposure measurement; risk per mile still varies.
Two parts of a mileage-based premium
Common product structure. Charging caps, fees and other terms vary by provider.
Standing charge
Base charge under the product terms
Mileage charge
Chargeable miles × price per mile
Core premium
Apply the product’s terms and any separate fees
Equal distance can contain different exposure
Main roads · daytime · van
Illustrative journeys, with no assumed risk ranking. Driver, road, time and vehicle still need to be tested against claims.
Keep in mindLow mileage alone does not establish a safe driver or the right insurance price.
What supports this view?
Established: Product terms and released mileage evidence describe how usage can be measured.
Evidence to change the assessment: Reassess with reliable mileage and held-out claims, including customer outcomes.
A documented product: JURNY
New-business availability requires verification
Provider documentation describes monthly parked cover and mileage charging through a prepaid account, capped at 100 chargeable miles per day. The estimate journey has not been verified. The FAQ says driving data may also inform renewal and mid-term prices.
- Standing charge
- Quoted monthly fee; a set-up fee also applies
- Mileage charge
- Personal per-mile rate through a prepaid account
- Charging cap
- 100 chargeable miles per day
- Measurement
- JURNYmeter device
Evidence limit: Publicly documented product; new-business quotation journey unverified
- JURNY: JURNY product documentation
Checked in this release: 22 Sept 2026
- JURNY: JURNY product documentation
Checked in this release: 22 Sept 2026
By Miles
New-customer quotes stopped 26 November 2025 and renewal quotes stopped 6 January 2026. Existing policies remain valid and serviced until their individual expiry dates.
Limit: Portfolio in run-off · no new or renewal quotes
Evidence dates & releaseEvidence published 4 Oct 2026
- Evidence period
- Periods vary by sourceThe time measured. Publication and event dates appear with the individual sources.
- Assessment changed
- Change date unavailable in this releaseLast recorded material change to the insurance assessment.
- Explainer changed
- Change date unavailable in this releaseLast recorded change to its evidence or explanation. A routine source check does not reset it.
- Source checks
- 21 Sept 2026 – 26 Sept 20266 of 12 sources have a check date in this release. These dates describe inspection, not new evidence.
Approved evidence published 4 Oct 2026This topic, its downloads and linked Data Lab views use the same selected release.
Inspect the sources and their datesRead the explanation, evidence and limitations
Measure how much people drive. Then price the risk.
Mileage measures exposure: more driving creates more opportunities for a claim. The risk of each mile also depends on the driver, road, time and vehicle.
Established: Product terms and released mileage evidence describe how usage can be measured.
Developing: Flexible products can link part of the premium to measured use.
Still uncertain: Low mileage alone does not establish a safe driver or the right insurance price.
What changed in the evidence?
New-customer quotes stopped 26 November 2025 and renewal quotes stopped 6 January 2026. Existing policies remain valid and serviced until their individual expiry dates.
Limit: Portfolio in run-off · no new or renewal quotes
Live in eligible states; 250-mile daily cap
Limit: Current operation verified
Live support and mileage-rating documentation
Limit: Current operation verified
Insurance implication
Mileage improves exposure measurement; risk per mile still varies.
Current response: Test
Watch next: Reassess with reliable mileage and held-out claims, including customer outcomes.
Low mileage alone does not establish a safe driver or the right insurance price.
Released sources
- DVSA: Anonymised MOT test and result data
Evidence period: 2005–2025 files availableChecked in this release: 22 Sept 2026
- Department for Transport: Road safety open data · STATS19
Evidence period: 2023–2025 usedChecked in this release: 26 Sept 2026
- Department for Transport: Road traffic estimates · TRA
Evidence period: 2023–2025 usedChecked in this release: 21 Sept 2026
- Department for Transport: NTS vehicle mileage and occupancy
Evidence period: 2023–2025 usedChecked in this release: 21 Sept 2026
- By Miles: Product evidence
- Nationwide SmartMiles: Product evidence
- Allstate Milewise: Product evidence
- CAA MyPace: CAA MyPace product documentation
- Real Pay As You Drive: Real Pay As You Drive product documentation
- Metromile: Metromile product documentation
- JURNY: JURNY product documentation
Checked in this release: 22 Sept 2026
- JURNY: JURNY product documentation
Checked in this release: 22 Sept 2026
THE ACTUARY LENS
Pay Per Mile
When does mileage improve motor insurance pricing?
Usage & risk: 2023–2025MOT cohort: December 2024–December 2025Release published: 4 Oct 2026Evidence dates & sources
INSURANCE IMPLICATIONS
The five conclusions
- Direction
- Mileage improves exposure measurement; risk per mile still varies.
- Magnitude
- Product structure and portfolio mix matter; public data does not establish a tariff.
- Timing
- Usable now where mileage is reliable and the proposition suits the customer.
- Evidence
- Product terms and public usage data support testing, not a universal price reduction.
- Response
- Test before changing portfolio assumptions.
What would change this view? Reassess with reliable mileage and held-out claims, including customer outcomes.
Mileage improves the exposure denominator. For high-intensity books, time, road, purpose and occupancy determine the risk carried by each mile.
7.9×Mileage spread · P90 ÷ P1090th-percentile mileage divided by 10th-percentile mileageDecember 2024–December 20257Selected products2 UK entries · global comparison4Commercial examplesPricing mechanisms assessed separately
Updates
The product directory now distinguishes availability, source evidence, scale and financial outcomes. Products and downloads use the release shown below.
MOT evidence record: 19 Sept 2026. 1,268,479 vehicles matched across December 2024–December 2025.
PRODUCT DIRECTORY
Compare pay-per-mile products
Selected coverage. A missing provider does not mean its product is unavailable. Status reflects each entry’s evidence date.
2 of 7 selected products · UK view
Download full directoryUnited KingdomJURNY
New-business availability requires verificationTrue per mileEvidence record 22 Sept 2026
JURNY
- Fixed charge
- Quoted monthly fee; a set-up fee also applies
- Mileage charging
- Personal per-mile rate through a prepaid account
- Daily mileage cap
- 100 chargeable miles per day
- Measurement
- JURNYmeter device
- Availability
- New-business availability requires verification
- Source evidence
- Primary provider documentation
- Commercial scale
- Product-specific scale not established by the reviewed documentation
- Financial outcomes
- Profitability not established by the sources reviewed
Published outcome: Publicly documented product; new-business quotation journey unverified
Provider documentation describes monthly parked cover and mileage charging through a prepaid account, capped at 100 chargeable miles per day. The estimate journey has not been verified. The FAQ says driving data may also inform renewal and mid-term prices.
Relationship disclosure: Johan Strydom helped build JURNY before its acquisition by Acorn. The same public-source standards apply to this entry as to other providers.
Source accessed: 22 Sept 2026 · Scheduled source check: Not recorded
United KingdomBy Miles
Run-off · no new/renewalTrue per mileEvidence record 19 Sept 2026
By Miles
- Fixed charge
- Base premium
- Mileage charging
- pence per mile
- Daily mileage cap
- Not recorded in this evidence entry
- Measurement
- Plug-in tracker or connected car
- Availability
- Run-off · no new/renewal
- Source evidence
- Primary company disclosure
- Commercial scale
- Almost one billion miles covered since launch in 2017; profitability not disclosed
- Financial outcomes
- Profitability not established by this evidence entry
Published outcome: Portfolio in run-off · no new or renewal quotes
New-customer quotes stopped 26 November 2025 and renewal quotes stopped 6 January 2026. Existing policies remain valid and serviced until their individual expiry dates.
Source accessed: Not recorded · Scheduled source check: Not recorded
Availability, source evidence, commercial scale and profitability answer different questions. An acquisition, run-off or customer saving does not establish underwriting profitability.
MILEAGE & RISK
How consistent are mileage differences?
Annual car mileage · England · 2023–2025. Compare every available year, or switch to the latest snapshot.
All fuels · 2023–2025
Miles per car per yearPetrolDieselHybridBattery electric
| Fuel | 2023 | 2024 | 2025 |
|---|---|---|---|
| Petrol | 6,100 | 6,200 | 6,200 |
| Diesel | 8,300 | 8,300 | 8,000 |
| Hybrid | 8,300 | 8,000 | 8,100 |
| Battery electric | Not published | 8,900 | 9,400 |
Observed · DfT NTS0901. The 2025 collection mode changed; results remain survey estimates. “Suppressed” means the sample was too small for a reliable published value.
Methods, periods & sources
Annual car mileage by fuel
Observed · 2023–2025 · England
- Numerator
- Estimated annual miles
- Denominator
- Cars in NTS sample
Survey estimate. Battery-electric results before 2024 were suppressed for sample quality.
How mileage and context affect premium
Base risk + miles driven × risk intensity
- Base risk
- Theft, fire, weather, administration, assistance and capital do not disappear while a vehicle is parked.
- Distance
- Distance converts a vehicle-year into observable road exposure and rewards genuine low use.
- Risk intensity
- Road class, time, purpose, passengers, vehicle and territory alter the risk carried by each mile.
STATS19 is road-safety evidence, not insurer claims experience. Aggregate comparisons can support segmentation tests; they do not establish causality.
RISK CONTEXT
When and where miles are driven
Great Britain · 2023–2025. Police-reported injury collisions and traffic exposure; these are not insurer claim rates.
Collision-to-flow index across years
2023–2025 · Great Britain · all hours = 1.00
Index = collision share ÷ traffic-flow share; 1.00 is the all-hours baseline. KSI = killed or seriously injured, within recorded injury collisions.
Index and KSI explained
The index is collision share divided by traffic-flow share. KSI means killed or seriously injured. The percentage describes severity within the recorded injury collisions, not the probability of a claim.
Fri/Sat social · 19:00–24:00
20231.57×27.7% KSI
20241.57×29.4% KSI
20251.58×29.2% KSI
Higher collision-to-flow index in each year
Overnight · 00:00–06:00
20231.67×30.8% KSI
20241.58×30.1% KSI
20251.53×32.1% KSI
Higher collision-to-flow index in each year
Weekday peaks
20231.00×21.5% KSI
20241.01×22% KSI
20251.02×23.9% KSI
Stable around average
Weekday daytime
20230.88×22.9% KSI
20240.88×23.6% KSI
20250.90×25.2% KSI
Below-average index in each year
Weekend daytime
20230.86×25.2% KSI
20240.86×26.8% KSI
20250.85×27.9% KSI
Below-average index in each year
Collision share ÷ traffic-flow share, calculated independently for each year. Indicative exposure signal; not an insurance claim rate.
Methods, periods & sources
Collision-to-flow time index
Derived · 2023–2025 · Great Britain
- Numerator
- Share of injury collisions in time band
- Denominator
- Share of DfT traffic-flow index
Relative exposure signal; not an insurer claim rate or a direct per-mile estimate.
MOT DATA LAB
Mileage spread and roadworthiness
Great Britain · December 2024–December 2025. The detailed cohort tables and adjusted roadworthiness comparisons are in the Data Lab.
P90 ÷ P10 compares the mileage at the 90th percentile with the 10th percentile. It measures the spread of use, not a difference in claim risk.
Vehicle use varies substantially within this matched cohort. That observation supports an exposure question; it does not establish claim frequency.
Explore the MOT evidence →COMMERCIAL & SUITABILITY
What commercial experience demonstrates
Separate product adoption, customer savings and safety reports from insurer profitability. Evidence record 19 Sept 2026.
United States · Haulage
True per mileHDVI
- Pricing basis
- Miles driven + telematics context
- Reported scale / adoption
- Risk models trained on 3.5bn Class 8 truck miles
- Published outcome
- Average customer premium saving above 7%; safest fleets above 10%. HDVI reports 95% reduce speeding or hard braking within the first policy year.
- Evidence relationship
- Direct evidence · Provider-reported
Evidence record 19 Sept 2026 · Source check Not recorded
Primary sourceUnited Kingdom · Courier / delivery
Time-basedZego Delivery
- Pricing basis
- Per working minute · one-hour minimum
- Reported scale / adoption
- 43,000 active PAYG customers; 64,000 delivery workers served
- Published outcome
- Sustained adoption demonstrates that commercial drivers will buy variable-exposure cover. No loss-ratio result is disclosed.
- Evidence relationship
- Adjacent evidence · Provider-reported
Evidence record 19 Sept 2026 · Source check Not recorded
Primary sourceUnited Kingdom · Taxi / PHV
Telematics-adjustedZego Private Hire
- Pricing basis
- 30-day or annual cover + behaviour-adjusted renewal
- Reported scale / adoption
- More than 100,000 unique private-hire customers
- Published outcome
- Sense offers a 17% upfront discount and experience-rated renewal pricing. This supports UBI, but is not pure per-mile cover.
- Evidence relationship
- Adjacent evidence · Provider-reported
Evidence record 19 Sept 2026 · Source check Not recorded
Primary sourceUnited Kingdom · Mixed commercial fleets
Telematics-adjustedFlock
- Pricing basis
- Annual fleet premium + mileage, journey risk and rebate
- Reported scale / adoption
- Courier, haulage and taxi appetite; 100+ telematics integrations
- Published outcome
- Premium rebates up to 10% depend on driving behaviour, claims reporting and loss-ratio health. Audited portfolio outcomes are not disclosed.
- Evidence relationship
- Adjacent evidence · Provider-reported
Evidence record 19 Sept 2026 · Source check Not recorded
Primary sourceProduct operation and adoption are observable. Published savings and safety results are provider-reported; audited loss ratios, combined ratios and profitability by pricing mechanism are generally not disclosed.
Download commercial evidenceINSURANCE SEGMENTS
Where mileage pricing may be useful
Theoretical suitability is an actuarial assessment. The evidence below states what has been observed.
Taxi / PHV
Assessed suitability: Very highBase + mile, time, road and occupancy signals
Large mileage dispersion and passenger-rich, time-sensitive exposure.
- Mileage variation
- Wide
- Variation in driving context
- Very high
- Observed evidence
- Telematics adoption reported at scale; pure per-mile outcome evidence remains limited.
- Data needed
- Verified mileage, operating hours, road mix and passenger proxy
- Pricing caution
- Licensing and platform data can change driver behaviour and selection.
Assessment evidence record 19 Sept 2026
SOURCES & METHODS
Trace the evidence
Data periods describe what was measured. Source checks describe retrieval. Publication dates describe this release.
Anonymised MOT test and result data
DVSA · 2005–2025 files available
Vehicle-level odometer, fuel, class, make/model and test-station postcode area
Source cadence: Annual · Recorded check: 22 Sept 2026
Open sourceRoad safety open data · STATS19
Department for Transport · 2023–2025 used
Police-reported injury collisions, vehicles, casualties and circumstances
Source cadence: Annual / provisional · Recorded check: 26 Sept 2026
Open sourceRoad traffic estimates · TRA
Department for Transport · 2023–2025 used
Vehicle miles by road class and traffic distribution by time and day
Source cadence: Annual · Recorded check: 21 Sept 2026
Open sourceNTS vehicle mileage and occupancy
Department for Transport · 2023–2025 used
Mileage by fuel type and occupancy by journey purpose
Source cadence: Annual · Recorded check: 21 Sept 2026
Open sourceProduct and commercial sources
By Miles
United Kingdom · Evidence record 19 Sept 2026
Primary evidenceNationwide SmartMiles
United States · Evidence record 19 Sept 2026
Primary evidenceAllstate Milewise
United States · Evidence record 19 Sept 2026
Primary evidenceCAA MyPace
Canada · Evidence record 19 Sept 2026
Primary evidenceReal Pay As You Drive
Australia · Evidence record 19 Sept 2026
Primary evidenceMetromile
United States · Evidence record 19 Sept 2026
Primary evidenceJURNY
United Kingdom · Evidence record 22 Sept 2026
Primary evidenceSupporting documentationHDVI
United States · 19 Sept 2026
Primary evidenceZego Delivery
United Kingdom · 19 Sept 2026
Primary evidenceZego Private Hire
United Kingdom · 19 Sept 2026
Primary evidenceFlock
United Kingdom · 19 Sept 2026
Primary evidenceRelease details
Published 4 Oct 2026. All displays and downloads reference this release.
lens-2026-10-04-59b57c37396fData & sources
Trace the assessment to its publications, datasets and observation periods.
Evidence dates & releaseEvidence published 4 Oct 2026
- Evidence period
- Periods vary by sourceThe time measured. Publication and event dates appear with the individual sources.
- Assessment changed
- Change date unavailable in this releaseLast recorded material change to the insurance assessment.
- Explainer changed
- Change date unavailable in this releaseLast recorded change to its evidence or explanation. A routine source check does not reset it.
- Source checks
- 21 Sept 2026 – 26 Sept 20266 of 12 sources have a check date in this release. These dates describe inspection, not new evidence.
Approved evidence published 4 Oct 2026This topic, its downloads and linked Data Lab views use the same selected release.
Inspect the sources and their datesData and downloads
Evidence limit: Low mileage alone does not establish a safe driver or the right insurance price.
Sources behind this view (12)
Dates belong to the selected release. A source check is an inspection, not new evidence. External source links open in a new tab.
Jump to a source
Source 1 · DVSA
Anonymised MOT test and result data
- Evidence period
- 2005–2025 files available
- Source published
- Date unavailable
- Source checked
- 22 Sept 2026
Scope and supported claims for Anonymised MOT test and result data
Scope: Vehicle-level odometer, fuel, class, make/model and test-station postcode area
Source 2 · Department for Transport
Road safety open data · STATS19
- Evidence period
- 2023–2025 used
- Source published
- Date unavailable
- Source checked
- 26 Sept 2026
Scope and supported claims for Road safety open data · STATS19
Scope: Police-reported injury collisions, vehicles, casualties and circumstances
Source 3 · Department for Transport
Road traffic estimates · TRA
- Evidence period
- 2023–2025 used
- Source published
- Date unavailable
- Source checked
- 21 Sept 2026
Scope and supported claims for Road traffic estimates · TRA
Scope: Vehicle miles by road class and traffic distribution by time and day
Source 4 · Department for Transport
NTS vehicle mileage and occupancy
- Evidence period
- 2023–2025 used
- Source published
- Date unavailable
- Source checked
- 21 Sept 2026
Scope and supported claims for NTS vehicle mileage and occupancy
Scope: Mileage by fuel type and occupancy by journey purpose
Source 5 · By Miles
Product evidence
- Evidence period
- Period not specified in this release
- Source published
- Date unavailable
- Source checked
- Date unavailable
Scope and supported claims for Product evidence
Used for: By Miles
Geography / market: United Kingdom
Source 6 · Nationwide SmartMiles
Product evidence
- Evidence period
- Period not specified in this release
- Source published
- Date unavailable
- Source checked
- Date unavailable
Scope and supported claims for Product evidence
Used for: Nationwide SmartMiles
Geography / market: United States
Source 7 · Allstate Milewise
Product evidence
- Evidence period
- Period not specified in this release
- Source published
- Date unavailable
- Source checked
- Date unavailable
Scope and supported claims for Product evidence
Used for: Allstate Milewise
Geography / market: United States
Source 8 · CAA MyPace
CAA MyPace product documentation
- Evidence period
- Period not specified in this release
- Source published
- Date unavailable
- Source checked
- Date unavailable
Scope and supported claims for CAA MyPace product documentation
Used for: CAA MyPace
Geography / market: Canada
Source 9 · Real Pay As You Drive
Real Pay As You Drive product documentation
- Evidence period
- Period not specified in this release
- Source published
- Date unavailable
- Source checked
- Date unavailable
Scope and supported claims for Real Pay As You Drive product documentation
Used for: Real Pay As You Drive
Geography / market: Australia
Source 10 · Metromile
Metromile product documentation
- Evidence period
- Period not specified in this release
- Source published
- Date unavailable
- Source checked
- Date unavailable
Scope and supported claims for Metromile product documentation
Used for: Metromile
Geography / market: United States
Source 11 · JURNY
JURNY product documentation
- Evidence period
- Period not specified in this release
- Source published
- Date unavailable
- Source checked
- 22 Sept 2026
Scope and supported claims for JURNY product documentation
Used for: JURNY
Geography / market: United Kingdom
Source 12 · JURNY
JURNY product documentation
- Evidence period
- Period not specified in this release
- Source published
- Date unavailable
- Source checked
- 22 Sept 2026
Scope and supported claims for JURNY product documentation
Used for: JURNY
Geography / market: United Kingdom