Short answer:

When you rent your car out through Car Next Door, it’s covered under our comprehensive fleet insurance policy whenever it’s with a Borrower. If you’re on our Instant Keys Plus+ or Legacy sharing plans, you and up to 5 Additional Drivers are also covered by our policy, so you can cancel your existing insurance.

Your car’s coverage under our fleet insurance policy includes coverage for:

  • damage
  • theft
  • third party loss
  • hail, flood and fire

If your car is damaged or lost while covered by our insurance, we’ll investigate to determine who is responsible, manage the claim with the insurer and organise the repairs.

Like other comprehensive insurance policies, our insurance doesn't cover general wear and tear. It does not cover damage to any accessories and modifications that were not supplied by the manufacturer. Coverage extends to the reasonable cost of repairing damage, which may include the use of second-hand or non-OEM parts.

If you'd like coverage for your car outside of Borrower bookings, you'll need to arrange cover with another insurer, or switch to the Instant Keys Plus+ sharing plan.

Car-sharing and your current insurance

Every insurer has its own policies, so you'll need to contact your insurer or check your PDS to see if sharing your car will impact on your current insurance.

These major Australian insurers have confirmed that they're happy to cover cars that are also rented out through Car Next Door, without any additional premium payable:

    • AAMI
    • APIA
    • GIO
    • NRMA
    • RACV
    • Suncorp
    • SGIO
    • SGIC

When requesting a policy quote, you may mention that you primarily use your car for personal use and occasionally share it on a platform called Car Next Door. 

If the consultant is unsure of cover, ask them to search their internal knowledge base for "car sharing" or "Car Next Door"

Most insurers have updated their internal information, but the consultant may not be across the policy update yet. If they tell you that you can't share your car, ask them to search for the following reference in their internal knowledge base:

  • APIA - Vehicle Use. KM1010840
  • AAMI, Suncorp, GIO - KM1014540 - Vehicle Use Section - Protect code P and same code P for car sharing scheme. 
  • NRMA, SGIO or SGIC: KM 1175909
  • RACV: Type in 'ride sharing cover' - says any driver is covered if the car sharing is occasional.

In addition, Allianz offers cover for car-sharers, however it is under their Rideshare insurance product and carries an additional annual premium. 

If you'd like some additional guidance on what to ask your insurer, just get in touch with us.

Instant Keys Plus+ and legacy $60 sharing plans

Cars on our  Instant Keys Plus+ plan (or legacy $60/month plan) are also covered by our comprehensive insurance outside of Borrower bookings. You’re covered when you drive, and you can also nominate up to five additional drivers to be covered. You can cancel your existing insurance policy.

More detail

Your car's coverage under our insurance policy is set out in the:

Related articles

What happens if your car is damaged during a Borrower trip
What happens if your car is damaged outside a Borrower trip
If your car is damaged through hail, fire or theft
Reporting new damage

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