What happens if your car is damaged outside a Borrower's trip

Short answer:

If you’re on our Key Handover or Instant Keys plan, our insurance only covers your car when it’s with a Borrower. If your car is damaged outside a Borrower’s booking, you’ll need to handle the claim with your own insurer.

If you’re on our Instant Keys Plus+ or legacy $60/month Sharing Plans, your membership includes comprehensive insurance for your car at all times. If your car is damaged or lost outside a Borrower’s booking, you’ll pay for repairs up to your Damage Cover Liability (DCL) amount.

Key Handover and Instant Keys

If your car is listed on the Key Handover or Instant Keys sharing plan and is damaged or lost outside of a booking – for example if you, a friend or relative is driving, or when your car is parked – it won’t be covered by our insurance. You’ll need to speak to your own insurer and handle the claim directly with them. If the damage makes your car undriveable, make sure you block it out until it’s repaired so it’s not available to Borrowers.

Instant Keys Plus+ and legacy $60/month plan

If your car is damaged while you or one of your Additional Drivers is driving it, or while it’s parked outside of a booking, you’ll be responsible for the repairs or replacement up to your (or your Additional Driver’s) Damage Cover Liability (DCL) amount.

The DCL is $500 if you are responsible, or between $500 and $3000 if one of your Additional Drivers is responsible (depending on their age and whether they have a full or restricted licence). Read more about DCL amounts for Additional Drivers.

If a third party was at fault, you can provide full details of the other car and driver and we can recover the costs from them, you won’t need to pay for the repairs.

If your car is damaged outside of a booking:

  1. Report the damage to use as soon as possible
  2. We’ll charge you for your (or your Additional Driver’s) DCL amount
  3. We’ll manage the claim with the insurer and help to arrange the repairs

As with any insurance policy, there are some exclusions from cover. You’re not covered if you (or one of your Additional Drivers) commit a serious breach of the Member Agreement.

 

Related articles

Your car’s insurance coverage
Compensation and fee relief due to damage
What happens if your car is damaged during a Borrower trip
If your car is damaged or lost through hail, fire or theft
Assessing your car's value in the case of a total loss

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