How do the insurance and the protection plans work?

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

Protection Plans: Minimum, Plus, and Premium

When booking your rental, you have a choice of 3 different protection plans: Minimum, Plus, or Premium. 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.

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

The Plus and Premium protection plans are not refundable; they cannot be cancelled or changed once the booking has been confirmed. The cost of the protection plan will not be refunded after the rental, 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 £250.
• The security deposit is reduced to £250.
• If you cause a damage that costs £300 to repair, you will only pay £250. 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

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 (250€ 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.