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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,"reviewedAt":"2026-09-25T08:13:59.883Z","reviewedBy":"authorised pipeline operations","reviewNote":"Publishing the national 2022–2025 MOT build reviewed and signed off by Johan Strydom in this conversation. The approved analytical candidate and its exclusions are unchanged. Only the reviewed MOT dataset and its calculated consumers may advance; all unrelated data remain pinned to the previous public release.","inputs":[{"observationId":"src-04a90fc8c56dcd2e2c8f-4c21e0f4f815d8b0ab2a6882a9a9798d5fe09109ca73064f55d8ce7d670c42ba","sourceId":"src-04a90fc8c56dcd2e2c8f","fingerprint":"4c21e0f4f815d8b0ab2a6882a9a9798d5fe09109ca73064f55d8ce7d670c42ba","dataPeriod":"2022-01-01 to 2025-12-31"}]},"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"}}}