Price per mile insurance

Mileage based insurance

Standard motor fleet insurance requires you to pay a flat premium for your insurance policy. The amount you pay is determined by a number of factors, including your driving record, your vehicle, where you live and more.

Pay per mile insurance works a bit differently. Like standard motor insurance, you will have a starting rate determined by the factors listed above, but the base rate for a pay per mile policy is different to a standard auto policy.

Flexible billing

Pay when it’s best for your business – better manage your cash flow and outgoings, with the choice of monthly or annual billing.


Reduce risk

Our platform crunches tons of data, so you can easily see the risks associated with your fleet and drivers. Helping you to reduce incidents, improve driver behaviour and avoid vehicle downtime.


Intelligent pricing

Pay for what you use – using advanced technology, and data, we build custom premiums based on your vehicles and drivers, and the time, and distance they cover.

How does it work?

Private Hire fleets

Delivery & logistics fleets

Corporate & Other fleets

We have chosen partners who are innovative in the insurance market, allowing our clients to benefit from a more data driven, flexible approach to insurance.

What level of cover can I get?

You have the choice between two types of insurance: Third Party Only and Fully Comprehensive. If you have an accident and damage another vehicle, Third Party Only would cover the repair or replacement of that vehicle, but not yours. Fully Comprehensive would cover both.

Third party includes:

  • Any costs for causing damage to other vehicles or property up to £5m
  • Your legal liability for causing death or injury to other people

Fully Comprehensive includes:

  • Any costs for causing damage to other vehicles or property up to £5m
  • Your legal liability for causing death or injury to other people
  • Fire damage or the theft of your vehicle
  • Loss or damage of your vehicle or its spare parts
  • Windscreen (excess £50)
  • Audio, communication and navigation equipment (excess £500)

How we serve our customers

Why Ascend Mileage?

You gain the power to choose your coverage type and level, your excess and how you wish to be charged.

Fantastic support

Reduce risk

Always available

Intelligent pricing

Flexible billing

Standard motor fleet insurance requires you to pay a flat premium for your insurance policy. The amount you pay is determined by a number of factors, including your driving record, your vehicle, where you live and more.

Pay per mile insurance works a bit differently. Like standard auto insurance, you’ll have a starting rate determined by the factors listed above, but the base rate for a pay per mile policy is typically much lower than a standard auto policy.

Here’s where things start to change. A pay per mile policy requires you to keep a device in your car. This device tracks how many miles you drive each month, and the number of miles you drive determines what you pay beyond your base rate each month.

So why do insurance companies offer a policy like this? Insurance companies profit when you pay premiums and don’t submit claims. You pose no risk of accident when you’re not driving, so pay per mile insurance offers a lower rate to align with your lower risk for the right client.

Pay per mile insurance is not for everybody. Take a minute and think about how many miles your fleet drive a month. You can use an online maps tool to input addresses and figure out just how many miles you drive each month.

The national average in the United Kingdom is 12,000 miles per year. A business vehicle can easily do 30,000+.

Here are some situations when pay per mile may make sense:

  • You walk or use public transportation to commute, but you have a car for longer trips. You use your car once a month on average.
  • You work from home with no daily commute to worry about. Most days you don’t get into your car at all.
  • You carpool with someone regularly.
  • You have a second car only used at certain times of the year — like a convertible for the warm summer months.
  • You do not use your vehicles every day.

With Ascend and our partners we can cover:

Private Hire fleets

Small delivery & logistics fleets

Corporate & Other fleets

Ready to discover an insurance solution tailored to your fleet?

Ready to discover an insurance solution tailored to your fleet?

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Courier van insurance

Protect your van for haulage, delivery and courier use

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Motor fleet insurance

Protect your business fleet

Telematics

Private Hire insurance

Protect private hire fleet

Motor fleet portal overview

Why Ascend?

We are specialist motor fleet brokers with niche relationships in the market:

  • Excellent service standards
  • Well-established relationships within the market
  • Exclusive Ascend benefits for policies
  • Proven track record placing motor insurance
  • Award-winning team

Who to speak to?

Please contact Simon Horton, who heads our transportation division. Simon has been specialising in transportation insurance for 20 years and would be more than happy to discuss your needs. Simon’s contact details can be found below or, if you would prefer, please complete the contact form at the bottom of this page and he will contact you at your convenience.

Simon Horton Cert CII
Head of Transportation
E:simon.horton@ascendbroking.co.uk

    Frequently Asked Questions

    Once you’ve linked your account with any of our partnered work providers, they will let us know automatically when you’re on shift. We’ll cover you automatically for the time you’re working.

    If you work with Uber Eats, Just Eat or Deliveroo, we charge you in the following way:

    • When you accept a delivery, a new session of insurance starts.
    • At the start of each session of insurance, one hour of insurance is purchased and put in place. This is the minimum amount you will be charged while working.
    • At the end of the hour, the app will check if you are still working.
    • If you’re not, your insurance will stop. Your current session of insurance will end and the  app will take the cost from your balance.
    • If you are, your insurance will continue, charging you per minute until you finish a delivery and more than 10 minutes passes before you pick up the next one.
    • Your current session of insurance will end and the  app will take the cost from your balance.

    To renew or reactivate your insurance, please get in touch with our team before the expiry of your current policy. You can contact us:

    By Email

    We’ll be sure to contact you by email before your policy expires. You can contact us by email to let us know you’re happy to continue your cover. Our email response time is 48 hours, so please bear this in mind to make sure your policy renews in time.

    Please note you will not be insured if your policy has lapsed and we will not be held liable in any such event. It is your responsibility to ensure your insurance policy is reactivated when you drive. 

    If you have a 7-day or 30-day policy, you can also turn on auto-renewal. That way, your next policy will begin automatically, as soon as your current one expires, and you don’t need to get in touch with us to continue your cover, each time.

    By Phone

    If your policy is not set to auto-renew, please call us on 01245 449 060 and we will process your renewal request. You can also enable auto-renew, to renew your insurance policy automatically without having to contact us.

    By Phone

    Just give us a call and we will process your request.

    Please get in touch with us to change any of your details, including:

    • Name and other personal details
    • Email
    • Vehicle: taxi private hire, car, van, or scooter details
    • Address
    • Phone number

    Please note, for fixed term policies, your premium may increase or decrease based on any changes to your personal information.

    Please email your query to admin@ascendbroking.co.uk

    Ascend’s Private Hire insurance includes cover for:

    • Private Hire: You can work as a Private Hire driver and transport passengers
    • Social, Domestic & Pleasure: You can drive your car when you’re not working
    • Hire & Reward: You can work as a delivery driver, and deliver parcels and food
    • Public Liability: You get cover for non-motor related incidents.

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