Guide to the protection plans and insurance coverage

When you rent a car on Getaround, your rental is covered by our insurance. Our insurance program provides auto insurance to cover drivers and cars that meet our Eligibility Requirements in the event of an accident. Additionally, drivers can purchase a protection plan that protects them in case of damage to the rented car as a result of an accident, vandalism, or theft.

Coverage applies for the duration of each Rental, from start to finish, and includes liability insurance up to the minimum financial responsibility of the state in which the accident occurred, and owner car protection which works similarly to comprehensive and collision coverage.

Unless stated otherwise in these terms, the liability, and protection plan coverage maintained on behalf of Drivers is secondary to any other automotive insurance policy(ies) applicable to such Drivers (such as Driver's personal automotive insurance policy), and any and all amounts paid by our insurance program shall be excess over all amounts paid by any other applicable automotive insurance policy(ies).

An "accident" is defined as a sudden, unplanned, and unexpected event, not within the control of the insured, resulting in damage, injury, or loss that is neither expected nor intended.

In addition, all rentals include 24/7 roadside assistance, providing support for both the car and the passengers in the event of a breakdown or accident during the trip.

Protection Plans: Minimum, Plus, and Premium

When booking your rental, you generally have a choice of up to 3 different protection plans: Minimum, Plus or Premium. However, the Minimum, Plus and Premium options might not be available.

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.

The Plus and Premium plans can be cancelled or changed anytime before the rental. To do so, please contact us.

The cost of the protection plan will not be refunded after the rental has ended, even if no incident occurs that requires its use.

For owner car coverage with a standard deductible , you can choose the Minimum protection plan.

To hit the road with greater peace of mind, choose the Plus or Premium protection plan.

If you purchased the Minimum protection plan:

• The standard deductible is $3,000
• If you cause damage that costs $3200 to repair, you will pay $3,000.
• If you cause damage that costs $300 to repair, you will pay the full $300, as it is less than the deductible amount. Provided you have been charged a security deposit and it has not yet been released, this amount will be deducted from your deposit and the remainder will be released to your bank account.

If you purchased the Plus protection plan:

• The deductible is reduced to $500
• If you cause damage that costs $700 to repair, you will only pay $500.

If you purchased the Premium protection plan:

• The deductible is reduced to $0.
• If you cause damage that costs $300 to repair, you won’t have to pay anything. In absence of any other fees, the security deposit will be released to your bank account at the planned date.

Using your own insurance (Powered by Axle)

Getaround Protection Plans can help reduce your out-of-pocket costs for damage fees and roadside assistance, providing you with added peace of mind.

If you prefer to use your personal insurance instead of the Protection Plan (Standard, Plus, Premium), Getaround allows you to use your personal insurance when booking a car. Please ensure the following requirements are met:

The name on your Getaround account must match the name of the policyholder on your insurance. Your insurance policy must remain active for the entire duration of your rental. Your policy must meet Getaround’s minimum liability coverage limits (for bodily injury, property damage, etc.).

Note that some insurance carriers may not be available or partnered with Axle. For further assistance, please contact Customer Support.

Important conditions

Multiple accidents:

If the car is damaged multiple times during a single rental, the deductible will be applied to each instance of damage.

If you purchased a Plus or Premium protection plan, the reduced deductible will only apply to one damage instance (the one with the highest repair cost).

Example: You rent a car with the Plus protection plan and cause 2 distinct instances of damage:

• Damage 1 costs $1000
• Damage 2 costs $300

→ You will be liable to pay the reduced deductible ($500, for example) for damage 1 and you will pay the full $300 for damage 2, for a total of $800.

Accident with a known third party:

In the event of an accident with a third party for which you are not responsible, the deductible (as per the protection plan purchased) will be applied initially. It will be reimbursed once the third party’s insurance carrier has accepted liability for the accident and reimbursed Getaround for the damages. This duration is beyond our control and can take several months.

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).

How could I be denied insurance and protection plan coverage?

Whatever happens, you must comply with all our conditions. You may be denied coverage if:

• You allow an unauthorized driver to drive the car
• You violate our terms of service

This list is meant to be informative, and is not an exhaustive list.

Please note that some types of damages are not eligible for coverage as outlined in the terms; and any of these will be your responsibility:

• Damage inside the car (seats, glove box, etc.)
• Any breakdown consequent to a misbehavior on your behalf
• Mechanical damage not due to accident or vandalism
• Wear and tear
• Personal items
• Audio equipment

What is the deductible?

The deductible is the maximum amount you would pay for any damages to the car. The remaining repair costs are covered by the protection plan.

When you book a rental, the deductible is not debited at the time of booking. It will only be charged if you damage the car.

The deductible amount varies, depending on the protection plan you chose for your rental (Minimum, Plus, or Premium).