How you're
covered.

Liability insurance in detail

If you cause an accident, the liability insurance covers the damage to the other vehicle or to third-party property. For damage to the MILES vehicle itself, you're only liable up to the amount of the agreed deductible.

Important: The liability insurance doesn't cover damage caused by improper handling or incorrect operation of the vehicle – e.g. shifting errors, ignoring warning lights, refueling with the wrong fuel, or improperly secured cargo.

Deductible: your share in the event of a claim

The deductible is the maximum amount you, as the renter, bear yourself for self-inflicted damage to the MILES vehicle. It applies per claim and depends on the vehicle category:

What counts as one claim?

The deductible applies per claim – that is, per damage event, not per damaged part. What matters is the event, not the number of damages.

• One event, multiple damages = one claim. If, for example, both the bumper and the headlight are damaged in one accident, that's 1 claim – you pay the deductible once.
• Multiple events = multiple claims. Each independent event is counted separately – even if they happen on the same day.

Reducing your deductible (optional)

For categories S and M, you choose between three options when booking. The lower your deductible, the higher the monthly surcharge. The exact fee is shown directly on the website for each vehicle.

When does the deductible apply?

For your liability to actually be limited to the deductible, two conditions must be met:

1. Immediate report: You report the damage to the police (110) right away and call our support team.
2. No breach of the terms and conditions: You haven't violated our terms and conditions while using the vehicle – e.g. no driving under the influence of alcohol or drugs, and no handing over your account to third parties.

When are you fully liable?

In certain cases, liability isn't limited to the deductible. You're then liable in full or in part yourself:

• Intent: If you caused the damage intentionally, there's no limit to the deductible.
• Gross negligence: MILES may reduce cover in proportion to the severity of your fault – the limit to the deductible can then no longer apply.
• Breach of the terms and conditions: Anyone who intentionally disregards obligations or prohibitions in the terms and conditions loses the protection of the deductible.
• Unreported damage: If damage isn't reported, MILES must bill the full amount.
• Unregistered drivers: If you let someone who isn't registered as a driver use the vehicle, you're fully liable – even if that person is known and has left their details.
• Fines & violations: You're fully liable for traffic and regulatory violations during your usage period (e.g. fines, parking violations, tolls).

What to do in the event of damage or an accident?

We're available for you around the clock. In the event of a claim, it's best to proceed as follows:

1. Secure the scene & help: First, make sure everyone involved is safe. If anyone is injured, give first aid and call emergency services on 112.
2. Inform the police: Secure the accident site and inform the police on 110.
3. Report to MILES Support: Report the accident directly to our support team. We'll tell you what happens next.

Insurance & deductible at return

At the end of your subscription, an independent inspector from TÜV Süd checks the condition of the vehicle. A distinction is made between mileage-related wear and tear and damage beyond that.

• If damage beyond normal use is found, we'll bill you for the repair costs up to the amount of your deductible in the final invoice.
• The deductible applies to every reported damage or accident – per case.
• Extra kilometers driven beyond your booked package may be billed additionally.
• Final inspection at a TÜV Süd station: free of charge. Inspection at your home: €249.