Pay As You Drive

Utilize accurate information about the odometer of a connected vehicle to optimize processes for you and your customers.

Retrieve odometer information remotely

Benefit from information about the current total distance covered by a particular vehicle.

  • Develop customized insurance products with flexible rates that are related to the distance covered.

  • Adjust rates based on the number of kilometres driven, also known as the kilometre discount (or usage-based insurance discount).

  • Take advantage of the availability for passenger cars and vans.

Pay As You Drive rewards those who drive less, e.g. with savings on their premiums.


For detailed technical information, specifications, sandbox environments and access options please visit our Mercedes-Benz /developers portal.

Data points

Data point access of the API

Retrieve km values remotely – without the necessity of a dongle. You can offer distance based insurance products by getting access to this data points.

  • Odometer

  • Time Stamp

  • Coming soon: Geo Position

The product

Learn more about the API and its use cases

1. The API at glance

API enables policyholders to have an easier and faster way to transmit the daily miles driven seamlessly and automatically.

2. Device- & software-free

The mileage is sent via API directly from the car's mileometer, so Mercedes-Benz drivers don’t need any additional hardware or manual processes to benefit from fairer insurance tariffs.

3. Reduced operational costs

Insurers save on hardware, shipping costs and support costs. Nevertheless they automatically access the mileage of their customers.

4. Increased comfort

Without the need to install additional hardware, the “pay by miles” onboarding process for policyholders can been shortened and simplified considerably.

5. Available data points
  • Odometer

  • Time Stamp

Connected Mercedes-Benz car and smartphone representing a By Miles insurance show case with Mercedes-Benz Data
By Miles – UK’s leading pay-by-mile car insurance provider – uses the Mercedes-Benz “Pay As You Drive Insurance” product
How it works

Functions and features of the Pay As You Drive

1. Data Collection

On the basis of the Vehicle Identification Number (VIN), this Pull API provides you with odometer and time stamp data from a specific Mercedes-Benz vehicle without using any OBD II plug in dongle.

The personalized data can be validated and aggregated via our developed algorithms.

2. Data Quality

Benefit from accurate data from the Mercedes-Benz vehicle fleet and digital verification of the mileage.

3. Data Security

We only use data from customers who provided their consent to sharing their anonymized data for this specific use case. The customer can withdraw anytime from this consent. Furthermore, we anonymize the data by deleting all personal information as soon as the data comes into our backend.

Test our product with your own car!

The #BYOCAR API makes it possible to experience functions and features of Pay As You Drive in a real life scenario.

Learn more about #BYOCAR on the Mercedes-Benz /developer portal.

Illustration of a connected car with secured cloud-based data transfer via API
To achieve legally secured cloud-based data transfer via API…
Illustration of a padlock representing API data transfer permission by a Mercedes-Benz customer
…the customer gives permission during the ongoing process.
Illustration of a shield and an insurance contract on Mercedes-Benz Data Hub
The insurancer is now entitled to use the customer's data for individualized insurance premium ...
Illustration of a car and the data transfer of its mileage with a Mercedes-Benz Data API
… and the customer's odometer can now be read out as part of the contractual relationship.
Success story

By Miles pay-by-mile car insurance: efficient hardware savings

By Miles – UK's leading pay-by-mile car insurance provider – uses the Mercedes-Benz “Pay As You Drive Insurance” product, giving them easy access to the mileometer (odometer) readings of connected Mercedes-Benz cars.

With the Mercedes-Benz API, we were able to simplify and shorten the onboarding process for the customer and for us – so we can bring fairer car insurance to more drivers, much faster.

Matt Tortolani,
Head of Development at By Miles


Frequently asked questions

Here you will find the answers to the questions our customers ask us about this product:

Why should I obtain the data via Mercedes-Benz Data?

There are several good reasons: no additional hardware is required, such as an OBD 2 dongle or GPS black box. In addition, the data is very precise, cannot be manipulated and can be retrieved in real time at any time. In addition, our API interface can be embedded directly into your system without additional software.

How does the embedding into my application work?

You can find a simple step-by-step guide on how to embed the API in your application on the Mercedes-Benz /developers portal.

For which models is the API available?

The PAYD product is available for all telematics-enabled Mercedes-Benz vehicles (passenger cars and vans).

For a detailed model list, visit the Mercedes-Benz /developers portal.

What do I have to consider legally or how is the transfer of data legally guaranteed?

The prerequisite for the accessibility of data is a connectivity contract of the end customer with Mercedes-Benz AG or one of its sales organizations. Please remember that permission for data access is subject to the respective master user of the connectivity contract of the vehicle. 

Further information about available connectivity services can be found in the following:

For passenger car customers: Mercedes me

Mercedes me: this product requires the following services to be active for the requested vehicle.

  • Interface to Third-Party Providers
  • Remote Retrieval of Vehicle Status

Note: Please be aware that the scope of use for this product is limited to insurance-related applications.

How much does the data cost?

To learn more about our pricing model, please contact our product experts directly.


Talk to our product experts!

Our product experts will help you with finding the best product fit and guide you through our purchase and onboarding processes.

Further information

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