NEW Pay-by-mile car insurance
- Thread starter Zeed
- Start date
That's not the point. It will need regular communications otherwise it wont work!
Soldato
- Joined
- 10 Apr 2006
- Posts
- 7,905
- Location
- North West
Won't even give me a quote for my crappy old X5 but it will for the missus' Fiat 500.
Caporegime
- Joined
- 21 Jun 2006
- Posts
- 38,367
won't insure me as per below:-
Why can't we cover you at the moment?
Your car's a beauty, but we can't insure you on it yet.
It doesn't look like your car is compatible with our Miles Tracker.
Why can't we cover you at the moment?
Your car's a beauty, but we can't insure you on it yet.
It doesn't look like your car is compatible with our Miles Tracker.
Man of Honour
- Joined
- 17 Nov 2003
- Posts
- 36,747
- Location
- Southampton, UK
Having just done a quote, it's cheaper by about £70-£100 for me. I would rather pay that than have a tracker though, just on the privacy principle. It's probably not quite like for like anyway, so I imagine that saving gets eaten up by breakdown cover, legal etc.
As @Nasher said, it's about control of the data. I have dashcams, but I'm in control of who gets to view that data.
As @Nasher said, it's about control of the data. I have dashcams, but I'm in control of who gets to view that data.
guess i'll be the first to try it then...i've driven like 3500 miles a year for the last few years
the cheapest normal insurance i can get is £711 exc ncb protection, and £744 inc ncb protection.
with by miles they've quoted me £308 + 7.2p/mile with ncb protection which works out at £560.
and with £20 discount they're offering i'd pay ~£540 for the year, so it's a £200 saving for me.
break even point is about 6000 miles, so anything less and by miles will still be cheaper for me
i'll tell you guys how i get on
Caporegime
- Joined
- 21 Jun 2006
- Posts
- 38,367
Bigger brakes probably means more chance of being rear ended by people who have crap brakes
But yea, makes no sense. How is a car more dangerous if it can stop quicker?
Because people fit bigger brakes usually to help them drive faster.
Driving faster = more aggressive braking than driving normally therefore you need bigger brakes to cope with your aggressive driving style
therefore bigger brakes means you will be taking advantage of what they offer being able to go faster and drive more aggressively than if you had smaller brakes as you know the smaller brakes can't handle being abused as much.
Associate
- Joined
- 27 Apr 2019
- Posts
- 1
I've been reading the official By Miles FAQs and can see a reason as to why it's in their interest to record speed: http://help.bymiles.co.uk/our-cleve...peed-from-the-miles-tracker-to-refuse-a-claim
It says, at time of writing:
It’s not our job to enforce speed limits or coach your driving (though of course we’d always encourage you to drive safely and within legal limits). We won’t use data about how fast you are driving to refuse a claim… unless:
- An accident is severe enough that the police are involved and they want more evidence than they can find at the scene - then they may apply for a court order. Upon receipt of a court order we’d need to share with them any data that they request from us; and
- The police find that you were driving dangerously or taking part in a race or time trials when the accident happened. If that’s the case, then damages to you and your car wouldn’t be covered.
If someone is driving at 31mph in a 30mph zone (or similar in different zone) and has a serious accident which involves injuries or worse to pedestrians or other road users then the police will be involved and then the company can invalidate any claim.
As discussed on here there is no reason to record speed to determine how many miles are being driven each year. I was thinking of getting a policy with By Miles as on the face of it it seems like a good deal but dig a little deeper into the "small print" and it just sounds too risky to me for a saving of £100-250 per year.
If they stopped recording speed then I'd happily join as a customer.
What are people's thoughts on the above? Is anyone from By Miles still active on here to comment?
Hope this proves useful for others considering using By Miles.
not always the fact! As bigger disc's allow smaller calipers/pads but better braking being far safer as more progressive where as small discs need bigger pads/calipers for same amount of braking force.
The bigger discs mean less chance of rear ending others also less reason to visit the trees/scenery as far less on/off that get with smaller brakes.
One being ford Sierras and Mk3 escorts when came out had 240mm discs so many went AWOL on/off the road esp in poor weather as the brakes was either on or off with very little in between because needed high pad pressures to work where as changed discs on my sierra to 283mm discs with conversion kit you could totally control the braking even in the snow!
Many just want big discs so look funky in there rims! plus another lot would still crash even if the car wasn't even moving!
The ECU on most modern cars records so much data it would blow your mind! and if have SAT NAV in built it will have GPS also but already think in there without SAT NAV.
Plod can plug you in via OBD port to check things if want to they already can/do with motorcyles so can check what you have done etc but also things running on bike&emissions.
Years back Uncle drove a Renault Truck Was Manager one down from Magnum when went in for service which you never touched from one to the other has had a massive sump quality they downloaded all the ECU's readings was telling my uncle could see everything.Speeds/braking/idling/how started/distances and more! Didn't say if had routes he'd taken as then was when GPS built in was just starting but think it was as Renault was ahead of many with Electrics
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What's on the ECU is mostly for diagnostics and insurers don't have free reign over it. They may only ever see the car if it's written off and they pay out for it.
But with GPS data they can see it instantly and remotely going back years if they wanted.
Hi with trucks VOSA can get to it if require as mostly they fine you from Tacho card now in retrospect so 6-9 months back you did 57mph!
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Won't insure me cos apparently a Volvo S60 T5 is too exotic for someone my age.
Seems fair.
bymiles user here
it's basically a black box fitted to the obd, and uses the obd power, rather than using the vehicle's odometer. as far as i can see, their gps is pretty useless and doesn't give accurate tracking info - on my commute to work, my mileage can be out by 1 mile from the actual distance travelled (so i'm always paying extra
).i wouldn't recommend using bymiles unless you're really an ultra low mileage user (ie ~3k miles pa)
in my case, the break even point where getting a non-black box insurance is about 6k miles, so i'd just about tolerate a black box.
and also depends on your use case. for myself, in leafy (lol) brum, there's not a lot of roads that you can really go over the speed limit (not by much anyway)...