How insurance works at Drivy

Drivy Community Blog-How insurance works at Drivy.png

Insurance is central to our service at Drivy, 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 Allianz to protect you against damage to your car, theft, vandalism, fire, and third-party liability during a Drivy trip.

Here are the key points to know about Drivy insurance:

Drivy insurance vs. primary insurance

Our insurance policy is included in the booking prices shown on Drivy 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 Drivy, so your no-claims bonus won’t be affected.

We advise checking with your insurance providers before listing your car on Drivy to ensure your policy allows car sharing. If an event does occur with your car during a rental, our comprehensive insurance with Allianz 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, Allianz) pays the rest.

What does the policy cover?

Drivy’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 Drivy’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 Drivy Open trips, driver checks are performed by Drivy 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 Drivy trip due to a lack of proper maintenance, repairs won’t be covered by Drivy 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 Drivy trip?

If your car’s been damaged by a third party, the driver should contact the claims line at Allianz UK (0330 102 1998) as soon as possible.

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.