When you travel with MILES, you are covered by both third party liability and fully comprehensive insurance. The fully comprehensive insurance includes an excess of 1.000€. So if someone causes an accident in which you are involved, but not at fault, you pay nothing. If you caused an accident and are the one responsible, you must pay for the damage, but only up to a maximum amount of 1,000€. As a rookie (driving license for less than 12 months), the threshold is €2,500.