Guide to the insurance cover and conditions

Our insurance coverage was designed to protect you from any damage to your car or liability to a third-party property caused by the driver during a rental through Getaround.

In case of damage, the driver pays the cost of the repairs up to the amount of the deductible, and the insurance pays for the rest.

Getaround's insurance covers:

• Damages to the vehicle via accident, fire, theft, or vandalism either committed by the driver or by a third-party, up to the actual cash value of the vehicle
• Liability coverage to owners up to $1,000,000
• Liability coverage to drivers up to the minimum financial requirements of the state in which the accident occurred
• Personal injury and uninsured/underinsured motorist coverage where mandatory
• Damages from accidents and broken glass (impacts larger than a quarter)

In order to benefit from the insurance coverage, you have to make sure your vehicle is eligible on Getaround.

Please note that mechanical breakdowns, clutch issues and tire punctures are not insured by our policy. It is your responsibility to maintain your vehicle. In case of a breakdown, if you think the driver is responsible for it, you can appoint a mechanic to prove this.

Ownership, Registration, and Insurance

Owners must provide proof of vehicle ownership, current registration, and insurance in order to be eligible for insurance coverage. if requested, you agree to provide documentation of legal title and ownership of your Car and to keep a valid copy of your Car's registration in the glove compartment of the Car at all times while listed on Getaround.

Eligibility Requirements

Our insurance program provides coverage to Drivers and vehicles that meet our Eligibility Requirements. Owners must be able to document their insurable interest in the vehicle to trigger coverage under this section for damage incurred during a Reservation.

Filing a Claim

If your Car is damaged during a Reservation, it is the responsibility of the Owner to gather relevant information and submit a claim. If you discover damage that occurred during a Reservation, you must file a claim in-app no later than 5 days after the end of the Reservation in which the damage occurred for our reimbursement policy to apply. Reimbursement for the deterioration of parts previously damaged but unreported, unrepaired and/or not immediately apparent or visible to the naked eye will not be considered unless the initial damage is reported no later than 5 days after the end of the Reservation during which damage occurred. You understand and agree to detail the full nature of the damage and allow time for damage or loss assessment, dispute arbitration, or remediation in accordance with these Terms.

Repair Estimates

You understand and agree that, in assessing any damage or loss, we will utilize the services of a professional vendor approved by Getaround at our sole discretion or an approved vendor selected by the insurance provider representing the liable party.

Storage

Except as otherwise specified in our Insurance Summary, Owners are solely responsible for retrieving their Cars from vehicle impounds, storage, or tow lots where such retrieval results from an active Getaround trip. In the event of such retrieval, Getaround will reimburse the affected Owner for direct reasonable costs of retrieval, along with a maximum of 48 business hours' reasonable storage fees commencing from time of Getaround's oral or written notification to the Owner, unless such retrieval is caused in whole or in part by the Owner’s failure to observe any of the requirements listed in the Maintenance, Safety, and Inspections section of our Owner Policy. Getaround may in its sole discretion assist with retrievals where the vehicle is being stored or impounded more than 100 miles (by driving) from the vehicle's home location.

Personal Belongings

You understand and agree that personal items left in the car are not covered by Getaround’s insurance policy before, during, or after a Reservation, as outlined in our Insurance Summary. You understand and agree to remove personal belongings from the Car before and after each Reservation.

Notice to Owners of Vehicles with Liens

You understand and acknowledge that, if a lien is attached to your Car before it is shared on the Service (for example, if your Car is leased or financed), sharing your Car on Getaround may violate the terms of your contract with the lien holder. Additionally, such contract with the lien holder might impose specific requirements for physical damage coverage. You will indemnify and hold Getaround harmless from and against any claim(s) made against Getaround by any such lien holder caused by the actual or potential breach of your contract with such lien holder, and you waive and release Getaround from and against any claim(s) that otherwise may be asserted by you against Getaround in connection with such lien(s) or contract(s).

You can find more information on our puncture policy and our clutch policy in our Help Center.