Guide to "Use Your Own Insurance"

What is Axle, and how do I use it to share my insurance information?

Getaround works with Axle to instantly verify your insurance. Axle allows you to share your insurance information quickly and securely with Getaround ensuring you’re properly covered for your rental.

Axle will only release the data you consent to sharing and uses bank-level encryption to secure your data end-to-end.

Why do I need to verify my insurance for a rental car?

Just like your personal vehicle, insurance coverage is required for Getaround’s vehicles as well! This feature allows drivers to save money on rental costs by using their own insurance to lower the cost of their Protection Plan. By using Axle drivers can ensure they’re properly protected and their vehicles are protected in the event of an incident.

After linking my policy, it says that “Your policy is not valid throughout the entire rental period”. What does this mean?

Getaround requires that your policy is active in the carrier’s system and effective throughout the duration of the rental. If you receive this message, check with your insurance carrier that your policy is active and the expiration date is after the end date of your rental.

My policy is active, but it renews in the middle of my rental. What can I do?

We understand the frustration here as you can’t necessarily control your policy term. Some carriers “pre-renew” policies ahead of the renewal date, and others wait until the renewal date to update it in their system. Unfortunately, there’s no way to know that the policy will be renewed, and in order to ensure you and the owner’s vehicle are properly protected, Getaround requires that the policy will be effective throughout the entire duration of the rental.

You can always choose one of Getaround’s protection plans for peace of mind, but if you’d like to use your own insurance you will have to call your insurance carrier and see if they can renew your policy early.

After linking my policy, it says that “The name on your policy does not match the name we have”. What does this mean?

In order to ensure that you and the owner's vehicle are properly protected in the event of an incident, Getaround requires that you must be listed on your insurance policy. Getaround will match the name on your profile to the name on your policy. Be sure that they match exactly - middle names or abbreviations can cause this validation to fail.

If they don’t match, you can fix it by contacting your insurance carrier to update the name on your policy or by updating your Getaround profile.

After linking my policy, it says that “The policy you selected does not have the right coverage”. What does this mean?

In order to ensure that you and the owner's vehicle are properly protected in the event of an incident, Getaround requires that you have liability insurance. All states require that you carry minimum financially required limits. Any additional coverages  such as comprehensive or collision ensure protection for you while operating the owner’s vehicle, while liability covers the other party. You can learn more about different coverage types here: NAIC Auto Insurance Guide.

While sharing my policy, I received an error message that said “We were not able to successfully verify your insurance policy”. Why does this happen and what can I do to fix it?

Sometimes, issues can occur due to temporary communication problems with your carrier, which can be caused by different factors such as carrier downtime. In many cases, these issues resolve themselves, so we recommend trying again after a couple of hours.

Unfortunately, in order to ensure that you and the owner are properly protected in the event of an incident, we do not have the ability to manually verify insurance. In the event you are not able to verify your insurance policy, you will need to select a Getaround Protection Plan.

[OTHER ISSUE] I was unable to successfully share my policy. What can I do to fix it?

Sometimes, issues can occur due to temporary communication problems with your carrier, which can be caused by different factors such as carrier downtime. In many cases, these issues resolve themselves, so we recommend trying again after a couple of hours.

Unfortunately, in order to ensure that you and the owner are properly protected in the event of an incident, we do not have the ability to manually verify insurance. In the event you are not able to verify your insurance policy, you will need to select a Getaround Protection Plan.

I forgot my password to my insurance account; can I still use Axle?

Yes! You can update your password using the “Reset Password” link within Axle (Login > I don’t know my login information > Reset password) or on your insurance carrier’s website, and then return to Axle to complete the process.

I have my Insurance Card/Dec Page and can share that with Getaround, can I share that through Axle?

Getaround requires a direct connection to your insurance provider through Axle to ensure that your policy is active and up-to-date. Unfortunately, documentation like insurance cards or declaration pages are not accepted as these documents do not always reflect the current status of your policy. For the smoothest experience, please use Axle to log into your insurance account directly.

How is my data protected?

Your security and privacy are central to everything we do at Axle and Getaround. For that reason, our privacy and security practices are designed to meet and exceed industry standards.

We never share login information, we are SOC 2 Type 2 compliant and are regularly audited by security experts and our customers, and we limit what information we share with Getaround.

Why is Axle involved?

Axle works continuously to build and maintain connections with the largest insurance carriers and this allows you to securely share your insurance information with rental car companies like Getaround to streamline the experience and help save on your rental.

Questions for Axle? Please refer to https://www.axle.insure/consumers for additional resources.

Why am I still being charged for a protection plan?

While Axle allows for renters to save money on insurance costs associated with your rental, Getaround must account for incurred costs such as your deductible, supplemental liability insurance costs, administrative expenses, and potential coverage scenarios with carriers.