ApideckTape
← Embedded Finance Index 2026

By Miles

“Can a telematics-native pay-per-mile motor insurer carve out a durable niche for low-mileage UK drivers before being absorbed into a legacy incumbent?”

Founded2016
HQLondon, United Kingdom (registered office: 8 Surrey Street, Norwich)
Latest roundSeries B (£15M, led by CommerzVentures)
IndustryFintech / Insurtech
The story

By Miles pioneered pay-per-mile telematics motor insurance in the UK, launching policies in 2018 after FCA authorisation in 2017 and raising a £15M Series B in 2020 led by CommerzVentures. Following the acquisition of parent Direct Line by Aviva, its underwriter transitioned from U K Insurance Limited to Aviva Insurance Limited. In 2025 the company announced it would stop offering new customer quotes, with renewals continuing to existing customers until early 2026 — effectively winding down as an independent brand under the Aviva umbrella.

Last 12 months
2025
2026-01
Product timeline
2016
Company founded to build pay-per-mile car insurance for low-mileage UK drivers· pivot
2017
Authorised by the UK Financial Conduct Authority (FCA reference 773046)· banking
2018
Launched first pay-by-mile car insurance policies in the UK· launch
2020
Closed £15M Series B led by CommerzVentures· funding
2025
Underwriter changed from U K Insurance Limited to Aviva Insurance Limited; By Miles now part of the Direct Line / Aviva group· acquisition
2026
Stopped offering new customer quotes; continued renewals to existing customers until 6 January 2026· pivot
Regulated entities
1
regulatory licence held by By Miles
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
2 layers disclosed in By Miles’s embedded-finance stack
Insurance
Aviva Insurance LimitedU K Insurance Limited (former, replaced 2025)
KYC
in the full report
Accounting gap: none
2 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.