Hi Barbara,
Thanks for your question! We have designed our pay by mile policies to be fairer to lower mileage drivers.
The quote you get is made up of two parts: the fixed annual cost, and your per-mile rate.
You pay the fixed annual cost upfront - that gets you a 12 month fully comprehensive insurance policy (whilst you are parked up) and if you don't drive at all, you won't pay any more than that.
We'll send you a Miles Tracker (a small matchbox sized device) that you plug into your car to measure the miles you drive. You then pay for the exact number of miles you drive each month, at your per mile rate.
If you would like to check out a quote, or our FAQ's for more info, please visit www.bymiles.co.uk
Best
Rio