Guide to the protection and insurance cover

When you rent a car on Getaround, your rental is covered by our insurance, regardless of the protection you purchased.

In addition, all rentals include 24/7 roadside assistance, which takes care of the car and the passengers in case of a breakdown or accident during a trip.

Protections: Limited, Essential, and Premium

When booking your rental, you generally have a choice of up to 3 different protections: Limited, Essential or Premium. However, the Essential and Premium options might not be available depending on certain conditions such as your age, your rental history on Getaround and the category of the car you're booking.

If you choose the Limited protection, you can upgrade to Essential or Premium at any time before the start of your rental on the relevant rental page in the My Rentals area of your account.

(NB: based on certain rental conditions - such as the age of the driver, the category of the car or a damage caused to a car during a previous rental done by the driver - the Essential and Premium protections may not be available to add to your rental)

For minimum insurance coverage and a standard deductible and security deposit, you can choose the Limited protection.

To hit the road with greater peace of mind, choose the Essential or Premium protection. These include a lower deductible and deposit, as well as a replacement car in case of a breakdown or accident during the rental.

The Essential and Premium protections can be cancelled or changed anytime before the rental. To do so, please contact us.

The cost of the protection will not be refunded after the rental has ended, even if no incident occurs that requires its use.

Example: when you rent a car in the “Eco” category:

If you purchased the Limited protection:

• The standard deductible is 1100€.
• The standard security deposit is 500€.
• If you cause a damage that costs 1500€ to repair, you will pay 1100€. If you cause a damage that costs 500€ to repair, you will pay the full 500€, as it is less than the deductible amount. Provided the security deposit has not yet been released, this amount will be deducted from your deposit and the remainder will be released on your bank account.

If you purchased the Essential protection:

• The deductible is reduced to 400€.
• The security deposit is reduced to 350€.
• If you cause a damage that costs 500€ to repair, you will only pay 400€. Provided the security deposit has not yet been released, this amount will be deducted from your deposit and the remainder will be released on your bank account.

If you purchased the Premium protection:

• The deductible is reduced to 0€.
• The security deposit is reduced to 250€.
• If you cause a damage that costs 300€ to repair, you won’t have to pay anything. In absence of any other fees, the security deposit will be released on your bank account at the planned date.

Insurance Guarantees and Exclusions

Getaround’s insurance covers:

• Damage to the car's exterior
• Damage to a third party
• Car theft (the reduced deductible of the Essential or Premium protection does not apply in this case)
• Fire
• Broken glass

Getaround’s insurance does not cover:

• Punctured tire(s)
• Fuel error
• Lost/damaged keys
• Damages to the car's interior
• Normal wear and tear

Important conditions

Multiple accidents:

If the car is damaged multiple times during a single rental, the deductible will be applied to each damage (for example: a 1100€ deductible per damage).

If you purchased a Essential or Premium protection, the reduced deductible will only apply to one damage (the one with the highest repair cost).

Example: You rent an “Eco” category car with the Essential protection and cause 2 distinct damages:

• Damage #1 costs 500€
• Damage #2 costs 300€

→ You will be liable to pay the reduced deductible (400€ with the Essential protection) for damage #1 and you will pay the full 300€ for damage #2, for a total of 700€.

Accident with a known third party:

In the event of an accident with a third party for which you are not responsible, the deductible (as per the protection purchased) will be applied initially. It will be reimbursed to you as soon as the insurance confirms that you are not responsible or once the third party has accepted the recourse made against them (except for Germany and Austria where you will not be reimbursed). This duration is beyond our control and can take several weeks.

Accident with an unidentified third party:

In the event of an accident with an unidentified third party, you will be held responsible for the damage(s). You can read more about liability for damages here.

How could I be denied insurance coverage?

Whatever happens, you must comply with all our insurance conditions. You may be denied insurance coverage if:

• You don't remain the main driver throughout the rental (secondary drivers are allowed as long as they were added to the rental agreement, but the main driver has to be present at the beginning and end of the rental).

• The rental was not paid for online with a means of payment in your own name

• You didn't sign the rental agreement

• You were not present at check-out

• You return the car out of the rental period

• The car was taken out of the authorized countries during the rental (see full list)

Please note also that some devices and errors are not insured, and any damage will be at your responsibility:

• Damage inside the car (seats, glove box, etc.)
• Fuel errors
• Loss of keys
• Any breakdown consequent to a misbehavior on your behalf
• Any aggravation of a first damage or breakdown

What is the deductible?

The deductible is the maximum amount you would pay for any damage to the car. The remaining repair costs are covered by the insurance.

When you book a rental, the deductible is not debited directly. It will only be charged if you damage the car.

The deductible amount varies, depending on:

• The car category
• The protection you chose for your rental (Limited, Essential, or Premium)
• The type of damage

Deductibles by country:

Please note: the deductible does not apply to interior damages. If you damage the car's interior, you will be charged the full repair costs.

Will my Visa Premier, Mastercard Gold or American Express card refund me the insurance deductible?

No, Visa Premier, Mastercard Gold and American Express cards insurance do not cover peer-to-peer car rental and will not refund you your insurance deductible. Only rentals made through a professional hire company are covered by their insurance.