After the company 's risk factors have been applied .
The customer has accepted the per - mile rate offered , then customers buy prepaid miles of insurance protection as needed , like buying gallons of gasoline ( litres of petrol ) .
After the company 's risk factors have been applied , and the customer has accepted the per - mile rate offered , then customers buy prepaid miles of insurance protection as needed , like buying gallons of gasoline ( litres of petrol ) .