Guide to the protection plans and insurance cover

Article updated on 18/07/2022

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

Protection Plans: Minimum, Plus, and Premium

When booking your rental, you generally have a choice of up to 3 different protection plans: Minimum, Plus or Premium. However, the Plus 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 Minimum plan, you can upgrade to Plus or Premium at any time before the start of your rental on the relevant rental page in the My Rentals area of your account.

For minimum insurance coverage and a standard excess and security deposit, you can choose the Minimum protection plan.

All protection plans include a replacement vehicle in case of a breakdown or accident during the rental. To hit the road with greater peace of mind, choose the Plus or Premium protection plan which include a lower excess and deposit.

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

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

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

If you purchased the Minimum protection plan:

  • The standard excess is £900.
  • The standard security deposit is £315.
  • If you cause a damage that costs £1200 to repair, you will pay £900. If you cause a damage that costs £300 to repair, you will pay the full £300, as it is less than the excess 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 Plus protection plan:

  • The excess is reduced to £350.
  • The security deposit is reduced to £250.
  • If you cause a damage that costs £300 to repair, you will only pay £350. 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.

Insurance Guarantees and Exclusions

Getaround’s insurance covers:

  • Damage to the vehicle’s exterior
  • Damage to a third party
  • Vehicle theft (The reduced excess of the Plus or Premium plan does not apply in this case.)
  • Fire
  • Broken glass, in certain cases. (Depending on the repairs needed, a £100 excess may apply.)

Getaround’s insurance does not cover:

  • Punctured tyre(s)
  • Fuel error
  • Lost/damaged keys
  • Damages to the vehicle’s interior
  • Normal wear and tear

Important conditions

Multiple accidents:

If the vehicle is damaged multiple times during a single rental, the excess will be applied to each damage (for example: a £900 excess per damage).

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

Example: You rent an “Eco” category vehicle with the Plus protection plan and cause 2 distinct damages:

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

→ You will be liable to pay the reduced deductible (£350 with the Plus plan) for damage #1 and you will pay the full £300 for damage #2, for a total of £550.

Accident with a known third party:

In the event of an accident with a third party for which you are not responsible, the excess (as per the protection plan 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. 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.

What could invalidate the insurance cover?

You must make sure you meet our insurance conditions. In particular, you could invalidate your insurance cover as a driver if:

  • You let someone else drive during the rental.
  • The rental is not paid for online using a payment method in your own name.
  • You do not sign the rental agreement.
  • You are not present at check-out to return the vehicle.
  • You return the vehicle outside the rental period.
  • You visit a country that is not explicitly permitted (view list).

You must also note that you are not insured for some accessories or certain actions – you will be responsible for the following:

  • Any damage to the inside of the vehicle (seats, glovebox, etc.)
  • Misfuelling
  • Losing the car keys
  • Any breakdown caused by you using the car incorrectly
  • Any aggravation of damage or a breakdown

What is the excess?

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

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

The excess amount varies, depending on:

  • The car category
  • The protection plan you chose for your rental (Minimum, Plus, or Premium)
  • The type of damage

Excesses for vehicles registered in the UK:


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

Will my Visa Premier or Gold Mastercard refund the excess?

No, Visa Premier, Gold Mastercard and American Express don't cover refunds of the insurance excess for peer-to-peer rentals. This type of cover only applies to rentals with traditional hire companies.

This article contains information specific to a particular country of registration. Refer to the international version of this article for other cases.

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