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Existing policies remain valid and serviced until their individual expiry dates.","url":"https://help.bymiles.co.uk/hc/en-us/articles/31682833887517-By-Miles-2026-Company-Update","grade":"Primary company disclosure","score":3,"measurement":"Plug-in tracker or connected car","economics":"Almost one billion miles covered since launch in 2017; profitability not disclosed","outcome":"Portfolio in run-off · no new or renewal quotes"},{"market":"United States","region":"North America","name":"Nationwide SmartMiles","model":"Base premium + variable mileage charge","architecture":"True per mile","status":"Trading","proof":"Live in eligible states; 250-mile daily cap","url":"https://www.nationwide.com/personal/insurance/auto/discounts/smartmiles/","grade":"Operating evidence","score":2,"measurement":"Telematics device or connected vehicle","economics":"Not publicly disclosed","outcome":"Current operation verified"},{"market":"United States","region":"North America","name":"Allstate Milewise","model":"Daily rate + per-mile rate","architecture":"True per mile","status":"Trading","proof":"Live support and mileage-rating documentation","url":"https://www.allstate.com/help-support/milewise-support","grade":"Operating evidence","score":2,"measurement":"Telematics device","economics":"Not separately disclosed","outcome":"Current operation verified"},{"market":"Canada","region":"North America","name":"CAA MyPace","model":"Base cover + 1,000 km blocks","architecture":"Kilometre blocks","status":"Trading","proof":"Available in Ontario and three Atlantic provinces","url":"https://www.caamypace.com/","grade":"Operating evidence","score":2,"measurement":"Telematics device","economics":"Not publicly disclosed","outcome":"Multi-province availability"},{"market":"Australia","region":"Asia Pacific","name":"Real Pay As You Drive","model":"Declared kilometre band","architecture":"Mileage band","status":"Trading","proof":"Odometer range with top-up mechanism","url":"https://www.realinsurance.com.au/car-insurance/pay-as-you-drive","grade":"Operating evidence","score":2,"measurement":"Odometer declaration","economics":"Not publicly disclosed","outcome":"Current operation verified"},{"market":"United States","region":"North America","name":"Metromile","model":"Historic true per-mile model","architecture":"True per mile","status":"Acquired · 2022","proof":">$110m in-force premium disclosed when Lemonade closed acquisition","url":"https://www.sec.gov/Archives/edgar/data/1691421/000110465922083465/tm2221915d1_ex99-1.htm","grade":"Commercial disclosure","score":3,"measurement":"Telematics device","economics":"In-force premium disclosed at acquisition","outcome":"Acquired and integrated"},{"market":"United Kingdom","region":"Europe","name":"JURNY","model":"Quoted monthly fee + personal per-mile charge","architecture":"True per mile","status":"New-business availability requires verification","proof":"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.","url":"https://jurny.co.uk/","sourceUrls":["https://jurny.co.uk/payments-explained/"],"grade":"Primary provider documentation","measurement":"JURNYmeter device","economics":"Product-specific scale not established by the reviewed documentation","outcome":"Publicly documented product; new-business quotation journey unverified","financialOutcome":"Profitability not established by the sources reviewed","fixedCharge":"Quoted monthly fee; a set-up fee also applies","mileageCharge":"Personal per-mile rate through a prepaid account","dailyCap":"100 chargeable miles per day","evidenceDate":"2026-09-22","sourceAccessedAt":"2026-09-22","relatedParty":"Johan Strydom helped build JURNY before its acquisition by Acorn. The same public-source standards apply to this entry as to other providers."}],"ppmRoadRisk":[{"vehicle":"Cars / taxis","motorway":106.9,"aRoad":475.6,"minor":695.9},{"vehicle":"Vans","motorway":63.2,"aRoad":232.7,"minor":285.5},{"vehicle":"HGVs","motorway":97.5,"aRoad":305.3,"minor":983.3}],"ppmRoadRiskTrend":[{"vehicle":"Cars / taxis","roads":[{"road":"Motorway","values":[116.1,111.4,106.9]},{"road":"A road","values":[533.2,497.9,475.6]},{"road":"Minor","values":[746.7,713.5,695.9]}]},{"vehicle":"Vans","roads":[{"road":"Motorway","values":[58.5,50.4,63.2]},{"road":"A road","values":[222,213.2,232.7]},{"road":"Minor","values":[272,256.2,285.5]}]},{"vehicle":"HGVs","roads":[{"road":"Motorway","values":[100.4,99,97.5]},{"road":"A road","values":[303,291.6,305.3]},{"road":"Minor","values":[853.1,866.7,983.3]}]}],"ppmSnapshot":{"evidenceUpdated":"2026-09-19","version":"1.4","geography":"Great Britain / global product watch"},"ppmSources":[{"id":"mot","organisation":"DVSA","title":"Anonymised MOT test and result data","cadence":"Annual","period":"2005–2025 files available","scope":"Vehicle-level odometer, fuel, class, make/model and test-station postcode area","url":"https://open.data.dvsa.gov.uk/mot-anonymised/index.html"},{"id":"stats19","organisation":"Department for Transport","title":"Road safety open data · STATS19","cadence":"Annual / provisional","period":"2023–2025 used","scope":"Police-reported injury collisions, vehicles, casualties and circumstances","url":"https://www.gov.uk/government/statistical-data-sets/road-safety-open-data"},{"id":"traffic","organisation":"Department for Transport","title":"Road traffic estimates · TRA","cadence":"Annual","period":"2023–2025 used","scope":"Vehicle miles by road class and traffic distribution by time and day","url":"https://www.gov.uk/government/statistical-data-sets/road-traffic-estimates-tra"},{"id":"nts","organisation":"Department for Transport","title":"NTS vehicle mileage and occupancy","cadence":"Annual","period":"2023–2025 used","scope":"Mileage by fuel type and occupancy by journey purpose","url":"https://www.gov.uk/government/statistical-data-sets/nts09-vehicle-mileage-and-occupancy"}],"ppmTimeBands":[{"label":"Fri/Sat social · 19:00–24:00","index":1.582,"display":"1.58×","ksi":"29.2%"},{"label":"Overnight · 00:00–06:00","index":1.531,"display":"1.53×","ksi":"32.1%"},{"label":"Other hours","index":1.06,"display":"1.06×","ksi":"28.1%"},{"label":"Weekday peaks","index":1.02,"display":"1.02×","ksi":"23.9%"},{"label":"Weekday daytime","index":0.9,"display":"0.90×","ksi":"25.2%"},{"label":"Weekend daytime","index":0.852,"display":"0.85×","ksi":"27.9%"}],"ppmTimeTrend":[{"id":"social","label":"Fri/Sat social · 19:00–24:00","values":[{"year":"2023","index":1.575,"ksi":27.7},{"year":"2024","index":1.573,"ksi":29.4},{"year":"2025","index":1.582,"ksi":29.2}],"persistence":"Persistent high exposure"},{"id":"overnight","label":"Overnight · 00:00–06:00","values":[{"year":"2023","index":1.674,"ksi":30.8},{"year":"2024","index":1.576,"ksi":30.1},{"year":"2025","index":1.531,"ksi":32.1}],"persistence":"Persistent high exposure"},{"id":"peak","label":"Weekday peaks","values":[{"year":"2023","index":1.003,"ksi":21.5},{"year":"2024","index":1.007,"ksi":22},{"year":"2025","index":1.02,"ksi":23.9}],"persistence":"Stable around average"},{"id":"weekday","label":"Weekday daytime","values":[{"year":"2023","index":0.884,"ksi":22.9},{"year":"2024","index":0.884,"ksi":23.6},{"year":"2025","index":0.9,"ksi":25.2}],"persistence":"Persistent below average"},{"id":"weekend","label":"Weekend daytime","values":[{"year":"2023","index":0.858,"ksi":25.2},{"year":"2024","index":0.864,"ksi":26.8},{"year":"2025","index":0.852,"ksi":27.9}],"persistence":"Persistent below average"}],"uiCopy":{"t1":"THE LENS · PAY PER MILE","t2":"When does mileage improve","t3":"motor insurance pricing?","t4":"Evidence for when vehicle-years hide meaningful differences in how far, where and when people drive.","t5":"LENS CONCLUSION","t6":"Supports change","t7":"Base + mileage + context where material","t8":"EVIDENCE WINDOW","t9":"Three final comparable years","t10":"TRACKER","t11":"v","t12":"Evidence record ","t13":"SOURCE REGISTER","t14":" primary","t15":"Government datasets monitored","t16":"CURRENT ANSWER","t17":"What annual mileage adds","t18":"Mileage improves the exposure denominator. For high-intensity books, time, road, purpose and occupancy determine the risk carried by each mile.","t19":"Assess an insurance book ","t20":"MOT · DEC 2024–DEC 2025","t21":"P90/P10 actual interval mileage","t22":"TIME · 2023–2025","t23":"Social-hours index above 1.57×","t24":"ROAD · 2023–2025","t25":"Minor-road rate above motorway","t26":"COMMERCIAL · 2026","t27":"3 forms","t28":"Mile, working-time and contextual fleet pricing","t29":"WHAT CHANGED · ","t30":"MOT Evidence Lab published with a matched 12-month cohort","t31":"Measured dispersion:","t32":" anonymised vehicles link across December 2024 and December 2025.","t33":"Persistence:","t34":" vehicle-class and propulsion ordering is shown independently in both snapshots.","t35":"Boundary:","t36":" station postcode is not keeper location, so unsupported rural/city segmentation remains suppressed.","t37":"Thesis","t38":"Usage","t39":"MOT Lab","t40":"Risk","t41":"Products","t42":"Commercial proof","t43":"Book fit","t44":"Evidence","t45":"01 · PRICING THESIS","t46":"How mileage and context affect premium","t47":"Pay per mile improves the denominator. Context improves the rate.","t48":"FIXED","t49":"Base risk","t50":"Theft, fire, weather, administration, assistance and capital do not disappear while a vehicle is parked.","t51":"VARIABLE","t52":"Miles driven","t53":"Distance converts a vehicle-year into observable road exposure and rewards genuine low use.","t54":"CONTEXT","t55":"Risk intensity","t56":"Road class, time, purpose, passengers, vehicle and territory alter the risk carried by each mile.","t57":"Interpretation boundary.","t58":" STATS19 is road-safety evidence, not insurer claims experience. Aggregate comparisons can support segmentation tests; they do not establish causality.","t59":"02 · USAGE OVER TIME","t60":"Is the mileage difference persistent?","t61":"Choose a propulsion to compare annual estimates. England, 2023–2025.","t62":"Propulsion","t63":"ANNUAL MILEAGE","t64":" · miles per car","t65":"Suppressed","t66":"n=","t67":"Observed · DfT NTS0901. The 2025 collection mode changed; results remain survey estimates. “Suppressed” means the sample was too small for a reliable published value.","t68":"MOT EVIDENCE LAB · LIVE","t69":"Mileage between MOT tests","t70":" vehicles link across the December 2024 and December 2025 extracts. Explore dispersion, repeated segment ordering and year-on-year change.","t71":"Open the evidence lab ","t72":"Location remains suppressed.","t73":" The postcode area identifies the test station—not the keeper. Rural, city and transport-access comparisons require validation.","t74":"03 · MOT EVIDENCE LAB","t75":"Mileage variation across vehicles and years","t76":"Official DVSA anonymised MOT results. December 2024–December 2025; latest normal test per vehicle.","t77":"MATCHED COHORT","t78":"vehicles · Dec 2024 to Dec 2025","t79":"ACTUAL MILEAGE SPREAD","t80":"P90 ÷ P10 · matched interval","t81":"MILE CONCENTRATION","t82":"of miles from highest-use 20%","t83":"USAGE CHANGE","t84":"differ >25% from lifetime pace","t85":"ACTUAL INTERVAL MILEAGE","t86":"Annual mileage distribution","t87":"Dec 2024–Dec 2025 · n=","t88":"P10","t89":"Median","t90":"P90","t91":"separates the 90th and 10th percentiles. Charging each vehicle for the same year of exposure ignores most of this observable variation.","t92":"Derived from odometer change, annualised for test intervals of 300–430 days. Normal tests only; latest test per vehicle; 100–100,000 plausible annual miles retained.","t93":"INDEPENDENT SNAPSHOTS","t94":"The segment ordering repeats.","t95":"December 2024 and December 2025 · lifetime annualised median","t96":"Segment","t97":"Dec 2024","t98":"Dec 2025","t99":"Change","t100":"Finding","t101":"Lifetime annualised mileage = recorded odometer ÷ vehicle age. It is a repeatability cross-check—not a substitute for the matched interval measure.","t102":"MATCHED INTERVAL BY SEGMENT","t103":"Commercially relevant groups differ—and vary within themselves.","t104":"Dec 2024–Dec 2025 · actual annualised miles","t105":" · n=","t106":"P10 ","t107":"Median ","t108":"P90 ","t109":"× P90/P10","t110":"MOT class is broad: Class 4 does not identify taxis or small vans separately. Class 5 and electric cells clear the publication threshold but remain much smaller than Class 4 and petrol/diesel.","t111":"WITHIN-VEHICLE CHANGE","t112":"Use is measurable—and not fixed.","t113":"Dec 2024–Dec 2025 · matched vehicle cohort","t114":"of matched vehicles differ by more than 25% from their prior lifetime annualised pace","t115":"differ by more than 50%","t116":"of matched-cohort miles sit in the highest-use 20%","t117":"Pricing implication.","t118":" Historical mileage helps segment the book, but current verified mileage is needed to keep price aligned as use changes.","t119":"Change compares actual 2024–25 interval mileage with lifetime annualised mileage observed at the 2024 test. It can reflect genuine behaviour change, earlier odometer errors or vehicle history effects; it is not a causal estimate.","t120":"AUDIT TRAIL","t121":"Coverage, filters and interpretation limits","t122":"Observation window","t123":"December 2024 and December 2025 monthly DVSA result extracts.","t124":"Snapshot coverage","t125":" unique normal-test vehicles in 2024; ","t126":" in 2025.","t127":"Matched cohort","t128":" vehicles with 300–430 days between tests and increasing odometer.","t129":"Validity rules","t130":"Latest normal test per vehicle; annualised mileage between 100 and 100,000 miles.","t131":"Geography","t132":"Great Britain tests. Station postcode area is not used as policyholder location.","t133":"Interpretation","t134":"December cohort evidence, not a full-calendar-year national estimate or insurer claim outcome.","t135":"04 · RISK SHAPE","t136":"A mile is not a constant unit of risk.","t137":"Switch between when, where and the persistent location-severity pattern.","t138":"Time of use","t139":"Road class","t140":"Urban / rural trend","t141":"RELATIVE COLLISION-TO-FLOW INDEX","t142":"When people drive · persistence","t143":"2023–2025 · Great Britain · all hours = 1.00","t144":"Time band","t145":"Finding","t146":"% KSI","t147":"Collision share ÷ traffic-flow share, calculated independently for each year. Indicative exposure signal; not an insurance claim rate.","t148":"INVOLVEMENTS PER BILLION VEHICLE MILES","t149":"Road mix · persistence","t150":"2023–2025 · Great Britain","t151":"Police-reported injury-collision vehicle involvements divided by DfT road traffic estimates for the matching year. Not damage-only claims.","t152":"REPEATABILITY TEST","t153":"Fatal or serious collision share","t154":"Great Britain · STATS19","t155":"Rural ","t156":"Urban ","t157":" vs ","t158":" casualties per collision","t159":"The rural severity gap appears in each observed year. Collision location is not driver residence.","t160":"05 · GLOBAL PRODUCT WATCH","t161":"Track success—not just availability.","t162":"Evidence grades separate an operating product from disclosed commercial outcomes.","t163":"Region","t164":"All regions","t165":"Europe","t166":"North America","t167":"Asia Pacific","t168":"Architecture","t169":"All models","t170":"True per mile","t171":"Kilometre blocks","t172":"Mileage band","t173":" products shown","t174":" · EVIDENCE RECORD ","t175":"Pricing basis","t176":"Mileage capture","t177":"Commercial economics","t178":"Outcome evidence","t179":" · evidence record ","t180":"Open primary source ","t181":"Evidence scale","t182":"One dot: availability only. Two: current operation or geographic longevity. Three: disclosed commercial scale or outcome. No score implies profitability.","t183":"06 · COMMERCIAL EVIDENCE","t184":"Does exposure-based pricing work in commercial motor?","t185":"Direct per-mile proof is distinguished from time-based and telematics-adjusted products. Evidence record ","t186":"HAULAGE","t187":"Strongest direct evidence","t188":"HDVI prices eligible trucking fleets per mile, then uses telematics to refine and manage the risk.","t189":"COURIER / DELIVERY","t190":"Strong adjacent evidence","t191":"Zego demonstrates scaled demand for variable cover, but charges by working minute rather than distance.","t192":"TAXI / PHV","t193":"UBI proven—not pure per mile","t194":"Telematics-adjusted private-hire cover operates at scale; passenger, time and place remain essential.","t195":"Product / book","t196":"Pricing mechanism","t197":"Commercial scale","t198":"Published outcome","t199":"Evidence","t200":"Primary source ","t201":"Evidence boundary.","t202":" Product 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.","t203":"07 · BOOK FIT EXPLORER","t204":"Where does per-mile pricing earn its complexity?","t205":"Theoretical pricing fit and observed market proof are assessed separately. Evidence record ","t206":" fit","t207":"THEORETICAL PRICING FIT","t208":" fit","t209":"Distance dispersion ","t210":"Context dispersion ","t211":"Observed proof ","t212":"Observed commercial evidence","t213":"Minimum viable data","t214":"Pricing caution","t215":"08 · EVIDENCE & GOVERNANCE","t216":"Every number should reveal its denominator.","t217":"Observed, derived and indicative evidence remain visibly separate.","t218":"Download evidence CSV","t219":"Download MOT Lab CSV","t220":"Download product watch CSV","t221":"Download commercial evidence","t222":"Numerator","t223":"Denominator","t224":"Limitation:","t225":"Comparable","t226":"Hold definitions, cohorts and denominators steady or disclose the break.","t227":"Credible","t228":"Require sufficient exposure and suppress unstable or low-quality cells.","t229":"Persistent","t230":"Look for the same directional pattern across years—not one unusual period.","t231":"Actionable","t232":"Change the Lens only when evidence can alter rating, product or portfolio action.","t233":"Return to top "},"_provenance":{"basis":"Previously published application data; migrated without re-certifying the evidence","migratedAt":"2026-09-22T13:08:09.452Z","sourceCodeCommit":"206eef3c06dcb1c6725080c1acbf1882cc959921","legacyRawInputsRetained":false},"ppmMotLab":{"observationWindow":"December 2024–December 2025","snapshot2024":2193827,"snapshot2025":2247442,"matchedVehicles":1268479,"interval":{"p10":1748,"median":5981,"p90":13803,"ratio":7.9,"top20Share":45},"change":{"over25":64.9,"over50":36.3}},"ppmMotPersistence":[{"segment":"Class 4 · cars, taxis and small vehicles","group":"Vehicle class","y2024":7225,"y2025":7188,"change":"-0.5%","finding":"Stable"},{"segment":"Class 5 · larger passenger vehicles","group":"Vehicle class","y2024":5747,"y2025":5579,"change":"-2.9%","finding":"Stable"},{"segment":"Class 7 · goods vehicles 3.0–3.5t","group":"Vehicle class","y2024":12913,"y2025":12784,"change":"-1.0%","finding":"Persistent high use"},{"segment":"Petrol","group":"Propulsion","y2024":5890,"y2025":5876,"change":"-0.2%","finding":"Persistent low use"},{"segment":"Diesel","group":"Propulsion","y2024":9022,"y2025":8916,"change":"-1.2%","finding":"Persistent high use"},{"segment":"Electric","group":"Propulsion","y2024":8713,"y2025":8922,"change":"2.4%","finding":"Persistent high use"},{"segment":"Hybrid","group":"Propulsion","y2024":8310,"y2025":8290,"change":"-0.2%","finding":"Persistent high use"}],"ppmMotIntervalSegments":[{"segment":"Class 4 · cars, taxis and small vehicles","group":"Vehicle class","n":1226553,"p10":1768,"median":5953,"p90":13572,"ratio":7.7},{"segment":"Class 5 · larger passenger vehicles","group":"Vehicle class","n":1119,"p10":1059,"median":4690,"p90":14600,"ratio":13.8},{"segment":"Class 7 · goods vehicles 3.0–3.5t","group":"Vehicle class","n":34237,"p10":2104,"median":8671,"p90":23355,"ratio":11.1},{"segment":"Petrol","group":"Propulsion","n":653512,"p10":1395,"median":5016,"p90":11440,"ratio":8.2},{"segment":"Diesel","group":"Propulsion","n":532724,"p10":2325,"median":7047,"p90":15552,"ratio":6.7},{"segment":"Electric","group":"Propulsion","n":21385,"p10":2928,"median":8322,"p90":21031,"ratio":7.2},{"segment":"Hybrid","group":"Propulsion","n":42128,"p10":2727,"median":7506,"p90":19760,"ratio":7.2}],"sharedMotProvenance":{"basis":"Previously published application data; migrated without re-certifying the evidence","migratedAt":"2026-09-22T13:08:09.452Z","sourceCodeCommit":"206eef3c06dcb1c6725080c1acbf1882cc959921","legacyRawInputsRetained":false},"ppmDirectoryUpdate":{"date":"2026-09-22","product":"JURNY","note":"Added JURNY with primary provider documentation, explicit availability limits and a relationship disclosure. Existing statistical evidence and review dates are preserved.","basis":"Source documentation reviewed by Codex at the user’s request; no quotation, production or human verification asserted"}}}