Insurance is central to our service at Getaround, and we’re proud to say that we offer some of the best cover in the market. Our insurance policy has been specially designed with Aioi to protect you against damage to your car, theft, vandalism, fire, and third-party liability during a Getaround trip.
Here are the key points to know about Getaround insurance:
Getaround insurance vs. primary insurance
Our insurance policy is included in the booking prices shown on Getaround and activated automatically when your car is booked, without you having to complete any additional formalities. It replaces your annual insurance policy for the duration of each trip booked through Getaround, so your no-claims bonus won’t be affected.
We advise checking with your insurance providers before listing your car on Getaround to ensure your policy allows car sharing. If an event does occur with your car during a rental, our comprehensive insurance with Aioi will cover your claim. You can read up on our claims process here.
Who pays?
In the event of an accident, the driver pays the repair costs up to the amount of the insurance excess, and the insurer (in our case, Aioi) pays the rest.
What does the policy cover?
Getaround’s insurance covers:
Personal injury
Damage to your vehicle and cases of fire or theft, whether by the driver or a third party (up to a limit of £40,000)
Accidental damage, including to the windscreen
Third-party liability (including passengers)
Will my car be covered?
For your vehicle to be fully covered by Getaround’s insurance, all of the following conditions must be met:
Your vehicle is eligible for our site.
The driver meets our insurance conditions.
You’ve carried out all the driver checks and completed the walkaround inspection of the car at the start of the trip. (For Getaround Connect trips, driver checks are performed by Getaround and the walkaround inspection will be done by the driver, guided by our app.)
What’s not covered by the policy?
Breakdowns and punctures, as well as normal wear and tear to the inside and outside of the car, aren’t covered by our insurance policy. Ultimately, you’re still responsible for maintaining your car. If a breakdown happens during a Getaround trip due to a lack of proper maintenance, repairs won’t be covered by Getaround insurance. If you think the driver was responsible for the breakdown, you can appoint an expert to demonstrate this.
So what happens if my car breaks down during a Getaround trip?
If your car’s been damaged by a third party, the driver should contact the claims line at Plexus at apollo@plexuslaw.co.uk or 0113 222 0195.
If your car has an accident or engine breakdown, the driver should contact our 24/7 roadside assistance service. The roadside assistance service will organise roadside repairs, vehicle towing to the nearest garage, onward transport for the driver, and the costs for you to travel to the garage where the car was taken.
To find out how to file a claim, read our article here.
If you would like to receive more information according to your situation as well as additional advice, please complete this form and we will get back to you shortly.